Fed’s usurp local control

by:  Diane Benjamin

No, this has nothing to do with Nevada!

Now that ObamaCare is being implemented (at least the parts not delayed), the Federal government thinks they can write all the rules.  The local serfs must comply.

Here’s the latest proposed rule change:

The Centers for Medicare & Medicaid Services (CMS) today announced a proposed rule on the adoption of updated life safety code (LSC) that CMS would use in its ongoing work to ensure the health and safety of all patients, family and staff in every provider and supplier setting. 

Read it again – CMS want to override existing local rules and ordinances – but it’s to keep you safe!

Here’s part of what is proposed:

The key changes for ASCs are:

  • Would require interior non-bearing walls have a minimum of 2 hour fire resistance rating and be constructed with fire retardant treated wood;
  • Would require all doors to hazardous areas have to be self-closing or automatic closing;
  • Would address the issue of placing alcohol based hand rub dispensers in corridors;
  • Would require a fire watch or building evacuation if sprinkler system is out of service for more than 4 hours; and
  • Would require smoke control in anesthetizing locations.

This is your FEDERAL GOVERNMENT!

ObamaCare was passed, not to provide healthcare at affordable prices, it was passed for CONTROL.  They want to not only control what healthcare citizens receive, they want to control the providers.  Local building codes and the opinions of local medical professionals should take priority over what bureaucrats in Washington DC want, but local rights are being lost because of money they will receive from CMS.

The schools don’t have local control because they took money from DC, thanks for Common Core and uneatable school lunches.

Now CMS wants to further burden healthcare providers with regulations.  More than 6 million people lost their health insurance because of ObamaCare, yet the Feds are rejoicing about 7 million signing up.  Why are healthcare costs increasing?  It’s pretty obvious.

They are proposing much more.  See it here:  CMS Proposed

This is America?

 

 

 

 

 

 

 

ObamaCare: Media spin

by:  Diane Benjamin

Yes, today is supposedly the last day to enroll in ObamaCare.  The media tells people armageddon will occur if you don’t comply and Get Covered.

Here’s the truth:  You will NOT have to pay penalties unless you get a tax refund!  You won’t get a bill, the IRS won’t put a lien on your house, and you will not be arrested!  Don’t get a refund – don’t pay.  Just change your exemptions so you don’t qualify for a refund.  The law would never have passed without this condition, at least a few Democrats were smart enough to demand it.

More truth you aren’t being told:

If you are being treated for an illness, your insurance company CAN NOT cancel your insurance – not even under the (Un)Affordable Care Act!  Public Law 104-191 was written and passed by Congress in 1997 to protects Americans from insurance cancellations.

Read more here:  http://csteventucker.wordpress.com/2013/11/13/the-truth-about-preexisting-conditions/

If your insurance has been canceled while you were being treated, I know the writer of the above article.  Contact me!

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Bloomington: Employee benefits compared

by:  Diane Benjamin

Being a CPA, I like numbers.  Frequently they reveal interesting things.  Here’s my latest:

The information listed about employees is now really good on both the Champaign and Bloomington websites – thanks to the Illinois Policy Institute.  All expenses per employee are listed, so I decided to see how much Bloomington pays for employee healthcare compared to Champaign.

I took the BASE pay of every employee COVERED by insurance, and then how much insurance costs each city for these employees.  Champaign has their Library employees listed separately, so I had to add them to the other employees.  Here’s what I found:

Insur2What insurance does Champaign have?  I have no idea, but insurance is going to keep rising.  Almost $1,000,000 per year difference is worth investigating.

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Bloomington: Employee benefits compared

Insur2

by:  Diane Benjamin

Being a CPA, I like numbers.  Frequently they reveal interesting things.  Here’s my latest:

The information listed about employees is now really good on both the Champaign and Bloomington websites – thanks to the Illinois Policy Institute.  All expenses per employee are listed, so I decided to see how much Bloomington pays for employee healthcare compared to Champaign.

I took the BASE pay of every employee COVERED by insurance, and then how much insurance costs each city for these employees.  Champaign has their Library employees listed separately, so I had to add them to the other employees.  Here’s what I found:

Insur2What insurance does Champaign have?  I have no idea, but insurance is going to keep rising.  Almost $1,000,000 per year difference is worth investigating.

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Watchdogs sue the State of Illinois and WIN!

by:  Diane Benjamin

The State of Illinois isn’t any more transparent than Bloomington.  I worked with the Edgar County Watchdogs for close to a year to uncover the state’s activities with Medicaid payment processing.  Many FOIA requests were returned to us with a “No matching documents” label.  The State didn’t know that we have many whistle-blowers inside state government giving us information.  Some State employees want the State corruption to end and are willing to risk their jobs to do it.  Gov. Quinn is now actively searching to fire anybody who helped us.

The One Edgar County Watchdog finally sued for missing information:

On January 13, 2014, in the Edgar County Courthouse, Circuit Judge Matt Sullivan heard the Freedom Of Information Act civil suit (13-MR-74) Kirk Allen v. Illinois State Health and Family Services and Julie Hamos (its Director).

HFS was represented by an attorney from the Illinois Attorney General’s Office. Kirk Allen was pro se.

During almost 2 ½ hours of hearing testimony and arguments, Judge Sullivan declared Illinois State Health and Family Services to be in violation of the Illinois Freedom Of Information Act, ordered them to produce documents requested, and order them to Plaintiff’s costs of bringing the suit.

 

Obama Dooms Seniors to Ravages of Aging

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Source:  http://www.aim.org/guest-column/obama-dooms-seniors-to-ravages-of-aging/?utm_source=co2hog&utm_medium=feed&utm_campaign=Feed%3A+AccuracyInMedia+%28Accuracy+In+Media%29

Betsy McCaughey  —   January 2, 2014

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On Oct. 1, 2012 the Obama administration started awarding bonus points to hospitals that spend the least on elderly patients. It will result in fewer knee replacements, hip replacements, angioplasty, bypass surgery and cataract operations.

These are the five procedures that have transformed aging for older Americans. They used to languish in wheelchairs and nursing homes due to arthritis, cataracts and heart disease. Now they lead active lives.

But the Obama administration is undoing that progress. By cutting $716 billion from future Medicare funding over the next decade and rewarding the hospitals that spend the least on seniors, the Obama health law will make these procedures hard to get and less safe.

The Obama health law creates two new entitlements for people under age 65 – subsidies to buy private health plans and a vast expansion of Medicaid. More than half the cost of these entitlements is paid for by cutting what hospitals, doctors, hospice care, home care and Advantage plans are paid to care for seniors.

Just Take Pill

Astoundingly, doctors will be paid less to treat a senior than to treat someone on Medicaid, and only about one-third of what a doctor will be paid to treat a patient with private insurance.

On July 13, 2011, Richard Foster, chief actuary for Medicare, warned Congress that seniors will have difficulty finding doctors and hospitals to accept Medicare. Doctors who do continue to take it will not want to spend time doing procedures such as knee replacements when the pay is so low. Yet the law bars them from providing care their patients need for an extra fee. You’re trapped.

President Obama seems to think too many seniors are getting these procedures. At a town hall debate in 2009, he told a woman “maybe you’re better off not having the surgery but taking the painkiller.”

Science proves the president is wrong. Knee replacements, for example, not only relieve pain but also save lives. Seniors with severe osteoarthritis who opt for knee replacement are less apt to succumb to heart failure and have a 50% higher chance of being alive five years later than arthritic seniors who don’t undergo the procedure, according to peer-reviewed scientific research.

Yet Foster warned Congress that 15% of hospitals may stop treating seniors once the Obama-Care cuts go into effect. The rest will have to lower the standard of care. Hospitals will have $247 billion less over the next decade to care for the same number of seniors as if the health law had not been enacted.

Obama claims his Medicare cuts will knock out waste and excessive profits. Untrue. Medicare already pays hospitals less than the actual cost of caring for a senior, on average 91 cents for every dollar of care. No profit there. Pushing down rates will force hospitals to spread nursing staff thinner.

Elderly patients will have a worse chance of surviving their stay and going home. When Medicare reduced payment rates to hospitals as part of the Balanced Budget Act of 1997, hospitals incurring the largest cuts laid off nurses.

Rewarding Skimpy Care

Eventually, patients at these hospitals had a 6% to 8% worse chance of surviving a heart attack, according to a National Bureau of Economic Research report (March 2011).

In addition to the across-the-board cuts, the Obama administration will now impose a new measure on hospitals: “Medicare spending per beneficiary.” Hospitals that spend the least on seniors get bonus points, and higher-spending hospitals get demerits.

Hospitals will even be penalized for care consumed up to 30 days after patients are discharged, for example, for outpatient physical therapy following a hip or knee replacement.

There are ways to control Medicare spending, such as inching up the eligibility age or asking well-off seniors to pay more. Forcing hospitals to skimp on care is deadly.

Research sponsored by the National Institute on Aging (Annals of Internal Medicine, February 2011) shows that heart attack patients at the lowest-spending hospitals are 19% more likely to die than patients of the same age at higher-spending hospitals. Yet the Obama health law pushes all hospitals to imitate the lowest spending ones.

Ignore the political rhetoric and look at the scientific evidence. The Medicare cuts in the Obama health law will end Medicare as we’ve known it and doom seniors to painful aging and shorter lives.

 

Guest columns do not necessarily reflect the views of Accuracy in Media or its staff.

Betsy McCaughey
Betsy McCaughey is a former lieutenant governor of New York and the author of “Beating Obamacare.” Her website is here: http://betsymccaughey.com/
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What ObamaCare is Really About

A man wrote…I’m a 54-year-old consulting engineer and make between $60,000 and $125,000 per year, depending on how hard I work and whether or not there are work projects out there for me.

My girlfriend is 61 and makes about $18,000 per year, working as a part-time mail clerk.

For me, making $60,000 a year, under ObamaCare, the cheapest, lowest grade policy I can buy, which also happens to impose a $5,000 deductible, costs $482 per month.

For my girlfriend, the same exact policy, same deductible, costs $1 per month. That’s right, $1 per month. I’m not making this up.

Don’t believe me? Just go to www.coveredca.com , the ObamaCare website for California and enter the parameters I’ve mentioned above and see for yourself. By the way, my zip code is 93940. You’ll need to enter that.

So OK, clearly ObamaCare is a scheme that involves putting the cost burden of healthcare onto the middle and upper-income wage earners. But there’s a lot more to it. Stick with me.

And before I make my next points, I’d like you to think about something:

I live in Monterey County, in Central California. We have a large land mass but just 426,000 residents – about the population of Colorado Springs or the city of Omaha.

But we do have a large Hispanic population, including a large number of illegal aliens, and to serve this group we have Natividad Medical Center, a massive, Federally subsidized county medical complex that takes up an area about one-third the size of the Chrysler Corporation automobile assembly plant in Belvedere, Illinois (see Google Earth View). Natividad has state-of-the-art operating rooms, Computed Tomography and Magnetic Resonance Imaging, fully equipped, 24 hour emergency room, and much more. If you have no insurance, if you’ve been in a drive-by shooting or have overdosed on crack cocaine, this is where you go. And it’s essentially free, because almost everyone who ends up in the ER is uninsured.

Last year, 2,735 babies were born at Natividad. 32% of these were born to out-of-wedlock teenage mothers, 93% of which were Hispanic. Less than 20% could demonstrate proof of citizenship, and 71% listed their native language as Spanish. Of these 876 births, only 40 were covered under [any kind of] private health insurance. The taxpayers paid for the other 836. And in case you were wondering about the entire population – all 2,735 births – less than 24% involved insured coverage or even partial payment on behalf of the patient to the hospital in exchange for services. Keep this in mind as we move forward.

Now consider this:

If I want to upgrade my policy to a low-deductible premium policy, such as what I had with my last employer, my cost is $886 per month. But my girlfriend can upgrade her policy to the very same level, for just $4 per month. That’s right, $4 per month. $48 per year for a zero-deductible, premium healthcare policy – the kind of thing you get when you work at IBM (except of course, IBM employees pay an average of $170 per month out of pocket for their coverage).

I mean, it’s bad enough that I will be forced to subsidize the ObamaCare scheme in the first place. But even if I agreed with the basic scheme, which of course I do not, I would never agree to subsidize premium policies. If I have to pay $482 a month for a budget policy, I sure as hell do not want the guy I’m subsidizing to get a better policy, for less that 1% of what I have to fork out each month for a low-end policy.

Why must I pay $482 per month for something the other guy gets for a dollar? And why should the other guy get to buy an $886 policy for $4 a month? Think about this: I have to pay $10,632 a year for the same thing that the other guy can get for $48. $10,000 of net income is 60 days of full-time work as an engineer. $48 is something I could pay for collecting aluminum cans and plastic bottles, one day a month.

Are you with me on this? Are you starting to get an idea what ObamaCare is really about?

ObamaCare is not about dealing with inequities in the healthcare system. That’s just the cover story. The real story is that it is a massive, political power grab. Do you think anyone who can insure himself with a premium policy for $4 a month will vote for anyone but the political party that provides him such a deal? ObamaCare is about enabling, subsidizing and expanding the Left’s political power base, at taxpayer expense. Why would I vote for anyone but a Democrat if I can have babies for $4 a month? For that matter, why would I go to college or strive for a better job or income if it means I have to pay real money for healthcare coverage? Heck, why study engineering when I can be a schlub for $20K per year and buy a new F-150 with all the money I’m saving?

And think about those $4-a-month babies – think in terms of propagation models. Think of just how many babies will be born to irresponsible, under-educated mothers. Will we get a new crop of brain surgeons and particle physicists from the dollar baby club, or will we need more cops, criminal courts and prisons? One thing you can be certain of: At $4 a month, they’ll multiply, and multiply, and multiply. And not one of them will vote Republican.

ObamaCare: It’s all about political power.

Found on Facebook – posted by Ted Watson via David Hale (running against Adam Kinzinger in the March primary)

Think the IRS isn’t still attacking Obama critics?

I wrote previously about C Steven Tucker and the IRS:  http://blnnews.com/2013/11/29/irs-auditing-2-men-who-spoke-against-obamacare/

IRS Goes After Obamacare Whistleblowers:  An Interview with C. Steven Tucker

By Arlen Williams

This is an update published today in American Thinker:  http://www.americanthinker.com/2013/12/irs_goes_after_obamacare_whistleblowers_an_interview_with_c_steven_tucker.html

Excerpts:

By now, the news has spread online of the IRS audit notices sent to two Obamacare whistleblowers. On November 25th, cancer victim Bill Elliott and C. Steven Tucker were informed of the ordeal each was to face.  Elliott has been waging a pitched battle with cancer. Tucker is the insurance agent and healthcare freedom activist who informed him that the canceling of his insurance, wrought by the Obama administration for the sake pushing citizens into Obamacare, was illegal. Tucker reached out immediately after Elliott appeared on Fox News’ The Kelly File, Nov. 7th, and Elliott’s insurance was hastily reinstated.

What subsequently transpired for Tucker has deepened his impression that the twin IRS notices were no coincidence, but an attack by our federal government, an orchestrated effort at intimidation of them both.  Friday, December 7th, he was visited in his home by an IRS official and received yet another threatening notice by mail.

All that follows is an interview Mr. Tucker has just granted via email, after our initial correspondence. He will explain his concern after our first question and answer, about news of a yet more urgent nature, which compels him to action.

Interview

First of all, you not only helped Bill Elliott get reinstated in his health insurance, you are relating to all Americans that, contrary to HHS Secretary Kathleen Sebelius’ dictates, it is against HIPPA law for anyone with a life threatening condition to have his insurance terminated, do I have that correct?

You do indeed. The health insurers across the nation who are canceling health insurance policies based on a posting in the Federal Register in June of 2010 which redefined the ‘grandfathered clause’ in the original PPACA (Obamacare) legislation are violating federal law. Specifically section 2742 of Public Law 104-191 (HIPAA). It is linked at my blog:TruthAboutPreexistingConditions.com.

This is an existing federal law that is still on the books and that is relied upon, expanded upon, and referred to multiple times throughout the 960 pages of the PPACA legislation. This law was codified by congress and signed by President Clinton in 1997. Since that was signed into law it has been and still is illegal for any health insurer to cancel anyone’s coverage when they are sick. Regardless of what Barack Obama or anyone else says. It has been and still is illegal for any health insurance anywhere in the nation to ‘drop your coverage’ when you get sick. Period. And, when I say period I mean it, unlike Barack Obama.

This is the law that I used to help Bill Elliott (the man with cancer who appeared on Megyn Kelly’s show who had his health insurance canceled during cancer treatment) get his health insurance policy restored with no deductible or premium increase. Bill was even assured by his insurer that he will be able to keep his policy going forward permanently.

HHS is violating this existing federal law by requiring health insurers to cancel these existing policies based on a random posting by HHS in the Federal Register in June of 2010. A posting in the Federal Register does not trump existing federal law, most especially HIPPA, that is relied upon, expanded upon, and referred to in the PPACA. By faxing section 2742 of public law 104-191 over to his insurer (with the help of South Carolina governor Nikki Haley) Bill was able to retain his policy even after it was illegally canceled by his insurer.

My goal is to inform every American who has had their policy canceled about this law and instruct them on how to use it to get their policy restored. Since this story broke I have been in contact with the organization representing Whitney Johnson and I have been in direct contact with Eileen and Steve Benthal. Whitney is a 26 year old single mother who has been featured in the news. Whitney has multiple sclerosis and she had her policy illegally canceled as well.

Eileen Benthal appeared on the Sean Hannity show on Friday December 6th 2013. Her daughter Johanna  was born with congenital malformations in her brain called Multiple Cavernous Angiomas. She has the CCM3 genetic mutation, the most aggressive type of the familial form of this disease. Johanna has over 30 of these vascular malformations in her brain. There is no cure for cavernous malformations except brain surgery to remove the malformations that are causing the most life-threatening and/or debilitating effects. She also developed hydrocephalus, fluid in her brain, requiring the placement of a permanent shunt. Over the past 17 years, Johanna has had over 86 surgeries, most of these in her brain. While cavernous malformations are non-cancerous, they do proliferate and hemorrhage, causing stroke-like symptoms, cognitive and motor delays, and seizures.

It is immoral, illegal, and unconscionable that Barack Obama’s administration would instruct her insurer to cancel her health insurance coverage and force her to accept an Obamacare compliant “Medal” plan which will increase her premium by $1,000 a month and remove Johanna’s access to her current hospital and doctor. This, after Barack Obama promised over and over and over again, ‘If you like your plan you can keep your plan and no one will take it away from you, period.’ Barack Obama is a pathological liar and innocent, sick Americans are now suffering because of his lies.

Read more: http://www.americanthinker.com/2013/12/irs_goes_after_obamacare_whistleblowers_an_interview_with_c_steven_tucker.html#ixzz2n0ds2ntl
Follow us: @AmericanThinker on Twitter | AmericanThinker on Facebook

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3 1/2 minutes sums up ObamaCare: CoffeeCare

House subcommittee: Obamacare’s $300 billion Medicare Advantage raid will hurt seniors next year

U.S. President Obama speaks on the Affordable Care Act in Largo

U.S. President Obama speaks on the Affordable Care Act in Largo

Obamacare “raided” $300 billion for Medicare Advantage and seniors will begin feeling the cuts next year, according to an analysis Tuesday by the House Energy and Commerce Health Subcommittee.

Obamacare took $700 billion from Medicare and $300 billion from Medicare Advantage alone for its own funding, according to the subcommittee. The cuts to Medicare Advantage beneficiaries will “begin to be fully realized in the next year,” according to the subcommittee.

“There was a promise made to seniors as well. The promise was that we’re going to use your Medicare dollars as a piggy bank to fund the Affordable Care Act, and in doing that we’ll improve Medicare and allow seniors to keep their doctors if they liked. So, do you have an opinion as to whether or not this is another broken promise?” subcommittee vice chairman Rep. Michael Burgess said in a statement.

Illinois adds to Medicaid roles, good luck finding a Doc

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Op-Ed: Why Do We Have a Medicaid Program?

Illinois Review: http://illinoisreview.typepad.com/illinoisreview/2013/12/why-do-we-have-a-medicaid-program-.html?utm_source=feedburner&utm_medium=feed&utm_campaign=Feed%3A+typepad%2FbYHz+%28Illinois+Review%29&utm_content=Yahoo!+Mail

JpegBy Alieta Eck, M.D. -

A Star Ledger headline reads: “ObamaCare fuels applicant boom for NJ Medicaid—Advocate hails 35% increase in October.” Almost 22,000 new applications were filed in October, up from 16,000 in September. Is this a triumph? Was a 990-page law needed to accomplish this? The taxpayers will have to fork over $5,000 per applicant to a Medicaid HMO—that’s $110 million—and what will the patients get?

I am a physician who volunteers at the Zarephath Health Center, a non-government charity clinic in central NJ, where volunteers care for the poor and uninsured. We see Medicaid patients who cannot find a Medicaid doctor. The other day I saw a 35-year-old mother with severe asthma. She is on Medicaid and had gone to the emergency room a few days earlier. She was instructed to find a physician for follow-up treatment. Unable to find a doctor who takes Medicaid, she was welcomed at our clinic. I saw her, spent time hearing her story, and was happy to give her prescriptions to keep her asthma in check.

The next day she returned with the odd complaint that no pharmacy would fill her prescriptions. Since I had not enrolled as a “non-billing Medicaid provider,” the pharmacies were told they would not be paid if they filled my prescriptions. I have a license, am board certified in internal medicine, and pay each year to keep my controlled-substances licenses updated, so why would they not honor my prescriptions?

When the patient called the Medicaid office, they instructed her to go back to the emergency room to get her prescriptions rewritten there—presumably copied by a physician enrolled in the program. Why would the Medicaid program deny her the medicines she needed? One would think they would appreciate the fact that a doctor was willing to see and care for her without costing the system anything. But apparently this is not how a bloated bureaucracy works.

Another Medicaid patient, a single mother of two, came complaining of abdominal pain. This has been going on for three months, and she has been to the emergency room several times. On the first visit they did an abdominal ultrasound and saw gallstones. But because her liver enzymes were not elevated and this was not considered an emergency, she was sent home and instructed to find a surgeon to take her gallbladder out. After making many phone calls, she never made it past the receptionist, as no surgeon takes Medicaid. Here is why. A dishwasher repairman is paid more than a doctor who takes Medicaid. Yet the doctor could be held liable for hundreds of thousands of dollars if there is a bad outcome.

Happily, someone told this patient about our clinic. We contacted a surgeon who said he would be pleased to help. The clinic will be able to pay him a fair fee without the exhaustive paperwork and claim forms. The patient will be treated like a VIP.

So why do we have Medicaid? Is it about providing care, or about setting up a large bureaucracy to make it appear that the poor are getting care?

We do not need Medicaid. We do not need ObamaCare. In a sensible world, there would be three layers to provide optimal care at reasonable cost: 1) direct payment for routine care; 2) low-priced, high-deductible health insurance for major medical events; and 3) real non-government charity for those who cannot afford either.

Come let us reason together and throw off the government bureaucracy. Politicians ought not take credit for what doctors, nurses, hospitals, and communities do. In actuality, President Obama must take ownership of his failure and take the blame for fleecing the taxpayers to erect barriers to care.

The sooner we repeal ObamaCare, the better.

 Dr. Eck is a long time member of the Christian Medical Dental Association and in 2009 joined the board (and is a former President) of the Association of American Physicians.

IRS Auditing 2 men who spoke against ObamaCare

BOTH got letters from the IRS on the SAME day!  Illinois’s own C. Steven Tucker, who got a cancer patients insurance re-instated,  is one of them – the cancer patient the other.  IRS is obviously still being used by the Obama administration as a weapon.

CANCER PATIENT WHO SAYS OBAMACARE CANCELED HIS HEALTH INSURANCE NOW SAYS HE’S BEING AUDITED BY THE IRS

A cancer patient who said publicly that his health coverage was canceled because of Obamacare now says he’s being audited by the Internal Revenue Service.

Bill Elliott appeared on Fox News’ “The Kelly File” earlier this month and said he was told that his cancer was considered “beyond a catastrophic pre-existing condition” and his plan was being canceled because of new regulations.

He said he was given the option of a new $1,500-per-month plan, up from the $180 per month or so that he’d been paying. Elliott told Fox’s Megyn Kelly that he had decided he wasn’t going to pay for the new expensive plan, and was instead going to take the financial penalty and “let nature take its course.”

Appearing this week on “Rocky D” on Charleston, S.C.’s WQSC, Elliott said that after a media frenzy, his insurance company worked it out with him to allow him to keep his coverage — but there’s a new hitch.

“Monday I got a certified letter, I went down and got it and it’s from the IRS and they are auditing my books from 2009,” Elliott said.

He said he didn’t own a business at that time, and in fact was working for the government. He said he’s paid his taxes every year and is not any kind of a tax evader.

There was one more part of the notice — Elliott said that “due to federal budget cuts,” the meeting between him and the IRS won’t take place until April 2014.

“It doesn’t matter. It could’ve been today if they wanted it to,” he said.

The radio host said, “you stood up and spoke out about how Obamacare screwed over your insurance and probably would kill you and what’s the next thing that happened? You get audited by the IRS. That is not a coincidence.”

“No it’s not,” Elliott said.

And it might not just be Elliott: C. Steven Tucker, an insurance broker who contacted Elliott after his Fox News appearance, said that after he helped assist Elliott with his coverage, the IRS “are now coming after ME all the way back to 2003.”

Elliott told Kelly that he actually voted for Obama over Mitt Romney last year specifically because he liked what Obama had promised about being able to keep your doctors and your insurance plans.

Elliott said on the “Rocky D” show that he’s doing better now health-wise, thought still has to have bone scans every four months.

See the video and Read More:  http://www.theblaze.com/stories/2013/11/29/cancer-patient-who-says-obamacare-canceled-his-health-insurance-now-says-hes-being-audited-by-the-irs/

See C. Steven’s Tucker’s story here:  http://csteventucker.wordpress.com/2013/11/13/the-truth-about-preexisting-conditions/

Democratic Senator feeling the heat

  • Senator Mary Landrieu of Louisiana is running a Facebook ad in an attempt to save her seat from slaughter in the 2014 election.
    The Affordable Care Act isn’t perfect, but its hope and promise are certainly something worth fighting for. That’s why I introduced legislation to let those told they would be able to retain their plan keep it — but also ensure policyholders get an explanation from their insurance company on how their current policy does not meet the new minimum coverage standards. Show that you stand with me to fix the ACA and make it work. 
    It looks like it’s not working.  Here are some of the comments to her post, these are not edited , only copied:
    James Lukes Get rid of it before it bankrupts the US, or is it too late already?
  • Terry Gallian Are you nuts!!!
    10 hours ago · Like · 1
  • Mark Forrer mary,i hope you enjoy the unemployment line next year….
    10 hours ago · Like · 2
  • Larry Christesson Here we go….begging for more money. OH, if you will just give me $5, $10, $25, $50, $100……SEE YA!!!!!!!!!!!!!!!!
    9 hours ago · Like · 1
  • Bill McDonald Way to backpeddle Mary, just think, after the next election you will be one of the “fortunate” citizens who must participate in the ACA. HA HA.
    9 hours ago · Like · 1
  • David Harman It cant be fixed, it needs to be discarded…
    9 hours ago · Like · 1
  • David Harman Oh, 630 million and 3 years cant make a website work!
    9 hours ago · Like · 2
  • George Bob Bookout Please Lady, REALLY.
  • Gary Meschede ^^^^maybe 12 years and a billion.might get you pass the first page.im a taxidermist and i could build a better web sight for a few million and i dont know squwat about building.give it up.it cant be fixed and you know it.now quit begging for votes on face book
  • Jay D. Peek The fix is easy. Fire Obummers sorry ass!
    9 hours ago · Like · 1
  • Chris Whodat Boulet Mary Landrieu is Aide to the usurper Obama. What they are doing is evil. Obamacare is not about healthcare. It’s about govt control of the people.
    9 hours ago via mobile · Like · 1
  • Shawn Swafford fix obama care? ma’am, you spend all day shinning a dog turd, but at the end of the day…
    ..
    ..
    it’s still just a pile of dog turd.
    6 hours ago · Like · 1
  • Deana Forrer The only fix for obamacare is the trashcan.
  • Jerry Sawchuk Running for cover. She new what was going to happen. Hopefully they will pay at the midterms
    5 hours ago via mobile · Like · 2
  • Thomas Boiani Let me see, Yep stupid plan. you need to do the math. Will You and the rest of congress be on the plan? 40 million supported by 40 million. Add thousand of more government workers to monitor the plan. Who pays for that? Spend a Billion dollars to get it running.
  • George Lala Right, I dont think so, wanna help? Get rid of it all together…then lets talk
  • Jackie Chambers She’s worried about her ass,not the people!!
  • Robert Gaver Yes covering your ass.
  • Rick Bunker f..k you
  • David Chelmo Next time read the law before you pass it. The law forced them to drop peoples plans!
    4 hours ago · Like · 1
  • Freda Ellis Burks The law put a spotlight on policies with inadequate coverage. Good for you for wanting companies to explain their policies!
    4 hours ago · Like · 1
  • Sue Hinson You were bought and paid for and now you own this bill that hurts those in this country that were still trying to do the right thing.
    3 hours ago · Like · 1
  • Tony Mcintire You made your bed Mary baby, now sleep in it!!!!!!!!
    3 hours ago · Like · 2
  • Philip McClung GET RID OF IT !!!!
    3 hours ago · Like · 1
  • Robert McClanahan Where is the “I’m annoyed by liberal crap” button on Facebook?
  • Greg Claywell I can sense a little worry in your plea for help!
  • Mike Eaton how about we simply get rid of those who promoted it like you mary…
  • George Cappello “isn’t perfect” is a huge understatement
    3 hours ago · Like · 1
  • Joe Hartkopf YOU and the act need to go!!!!!!!!!
    3 hours ago · Like · 1
  • Jimmy Flaming F**k you and ObamaCare! Keep your damn nose out of our business!
    3 hours ago via mobile · Like · 1
  • Thomas Quigley FUCK YOU SELL OUT!!!
    2 hours ago · Like · 2
  • Craig A. Courtney You sold your vote for 300 million that Louisiana citizens will never see because Bobby Jindal declined the money because it had too many strings attached to it and it would have bankrupt the state’s Medicaid system….
    You screwed over Louisiana and the country. You can start by admitting that to the voters.
    2 hours ago · Like · 1
  • Julia Burden I am in the healthcare business. We saw from the very beginning that this was a horrible plan (the parts that we could understand). Just wait until the “Employer Mandate” kicks in. I have had to lay-off ten people so far. We have a great health plan for our employees, but it will be jettisonned to the ego of the president next year. Shame on you.
  • Eric Sjol fuckin’ cow, repeal and burn it !!!
  • Andrew Hazelton Fix this piece of garbage? Easier just to impeach a corrupt president and the senators that lied to us (like Mary Landrieu), imprison them for crimes against the constitution (treason), and send you all to Gitmo with the other terrorists of your ilk.
  • James Regan Too bad you couldn’t read it, before you passed it!
  • Scott Hartford Fix it by voting you out!!!
    about an hour ago via mobile · Like · 1
  • Brian Mc Du I’m so tired of being lied to by these corrupt pols………..
  • Emory Shover Can’t fix stupid!! Bad law. Bad legislation. BAD POLITICIANS! SHAME ON YOU ALL!! Did you ever read your kids report cards? Or just sign them blindly?? Never mind, I already know the answer!
  • Fred Smith The people have spoken!!!
  • Derrick Davis well you see Emory.. being kids of politicians they were able to convince their parents that the F they got stood for FANTASTIC and not failure.
  • George White First she broke it and now she wants to fix it??? Maybe she should start thinking for herself for a change. Mary is just a bobblehead for Harry Reid.
  • Grady Burnett Hell no, you also are a liar.
  • Bruce Fritsch Liar ! You supported this. We have to pass the law before we read it. Once we pass it you will like it! Insanity. The law was written to force insurance companies to drop the plans. Who are you to tell me my plan was not good enough? It was working fine and met my families needs. Now I have to pay double for things I don’t need or will ever use? Affordable Care ? You are a joke. While you are fixing it will you please make sure you and all the fellow crooks & liars in Washington have to be part of this Unaffordable Health Care Plan? If it is so great for us peasants. then you and all your buddies and even the President should be on this plan. I’ll be watching to see if you make this part of the fix, because we certainly want you and your family to share in this great Health Care Plan.
  • Richard Wogoman You bitch; the standards are the problem (we were not told “if” but “period” – you think we are that stupid as to believe that your legislation means a damn thing?
  • Kevin Walsh Fuck off!!
  • Judith Wittels Take you head out of your other place there is no promise or hope worth a grain of salt that Barry has made just more race division, more poor , more with out hope. He is a bad man.

Feds cancel service to Seniors in El Paso!

ElPaso2

by:  Diane Benjamin

This notice was in today’s Pantagraph:

AdvocateElPasoBelow is the part of the code referenced in the notice.  Calls to the manager have not yet been returned.  Is red tape going to prevent seniors on Medicare in El Paso from getting healthcare?  The code mentioned doesn’t say anything about the quality of the care.  This notice was placed by the government, not Advocate Medical Group.

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Real example of ObamaCare cost increases

aca

by:  Diane Benjamin

The name of the benefits provider isn’t important, but you should know this is a non-profit insurance provider.  Stated in the Benefit Information notice is this:

It’s been more than 5 years since co-payments were last increased for prescription drug benefits, and even longer for most deductible and out-of-pocket maximums.

The notice states these changes are attributed to the Affordable Care Act (ObamaCare).  The increase in contribution rates is below.  Every participant just got a pay cut.  When individuals have less money to spend, what happens to the economy?

aca

 

Democrats turn sex into a government entitlement

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From:  Congressman Steve Stockman

This is an actual Obamacare ad.  Democrats have somehow turned sex into a government entitlement.

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World War II took less time than ObamaCare

Putting things in perspective:

March 21, 2010 to October 1, 2013 is 3 years, 6 months, 10 days.

December 7, 1941 to May 8, 1945 is 3 years, 5 months, 1 day.

What this means is that in the time we were attacked at Pearl Harbor to the day Germany surrendered is not enough time for this progressive federal government to build a working webpage.

Mobilization of millions, building tens of thousands of tanks, planes, jeeps, subs, cruisers, destroyers, torpedoes, millions upon millions of guns, bombs, ammo, etc. Turning the tide in North Africa, Invading Italy, D-Day, Battle of the Bulge, Race to Berlin – all while we were also fighting the Japanese in the Pacific!!

And in that amount of time – this administration can’t build a working webpage.

Thanks Veterans!

http://www.foxnews.com/on-air/special-report-bret-baier/blog/2013/11/08/here-email-i-read-air-tonight 

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Preventing Stealth Euthanasia

euth

by:  Diane Benjamin

Yes death panels exist, and yes Obamacare takes $78 billion out of Medicare.  If you still don’t believe ObamaCare is meant to limit healthcare for the “non-contributing” members of society, then why would Benedictine University hold a conference on

Preventing Stealth Euthanasia?

Fundamental Transformation.  Die already!

euth

Your future under ObamaCare

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by:  Diane Benjamin

This information was sent to me.  I blocked out the company name, it’s not important.  The Affordable Care Act affects everyone in America – get ready.  We were lied to by people who never read the bill.  I realize parts are difficult to read, but here’s the message:  “You will be paying more because of ACA”.

photo (6)2

 

Memories of How Tom Cross brought Obamacare to IL two years early

by:  Illinois TEA Party

Recently, Republican Tom Cross “forgot” that he brought Obamacare to Illinois two years early.  Former GOP Leader Tom Cross is currently running for State Treasurer against  Dupage County Auditor Bob Grogan.

Bob Grogan is the DuPage County Auditor, a CPA, and a Certified Fraud Examiner, who has both public and private financial sector experience.  Bob has also been a Committeeman, and is willing to do the hard work required running as a candidate. For more information Bob Grogan’s website is:   www.VoteGrogan.com

Here is a little reminder of the Tom Cross “double Cross” …

Below is the original Illinois Tea Party Press Release on 5/21/12:
ILLINOIS REPUBLICANS MUST VOTE NO ON OBAMACARE TWO YEARS EARLY
The Illinois Tea Party is shocked to learn House Republican Leader Tom Cross is cutting a deal with Chicago Democrats to implement Obamacare two years early in Cook County. “We have fought the passage and implementation of Obamacare for three long years,” said Denise Cattoni, State Director of the Illinois Tea Party. “For Tom Cross to flip-flop on Obamacare while its constitutionality is being ruled on in the Supreme Court is unfathomable. Obamacare was written behind closed doors and passed against the will of the people through backroom deals. Illinois Republicans seem poised to repeat that same mistake.”“We’re urging all of our leaders and members to contact Leader Cross and their local legislators to urge them to stand with the taxpayers and oppose the implementation of Obamacare,” said Cattoni. The Illinois Tea Party is made up of 90 affiliated local groups and organizations.

Every Republican in the United States Senate and House of Representatives voted against the passage of Obamacare and the Illinois Tea Party expects no less from Illinois Republicans. If Republicans considering voting for Obamacare believe they will get a free pass from fiscal conservatives because the primaries are over, they are mistaken. The deadline for Independent candidates to file to run for state senator and state representative is June 25.

“We plan on running independent candidates against any Republican who votes for Obamacare,” promised Cattoni. “If they can’t stand with us against Obamacare and raising taxes, when will they stand with us?”

The Illinois Tea Party supports real reform of the Medicaid system for the benefit of taxpayers as well as those most in need of affordable healthcare.

“The fundamental problem with Medicaid is that our state government is not a health insurance company and should not be acting like one,” says Dr. Mark Neerhof, a practicing physician who has dedicated his career to serving all patients, including those on Medicaid. “It’s ineffective, inefficient and costs are spiraling out of control because decisions are being made by politicians and bureaucrats instead of doctors and patients.”

“More physicians are not accepting patients on Medicaid, which leads to lack of access to care and poor outcomes. Failing to reform Medicaid will hurt people. We need to make Medicaid a program where we provide assistance to people in need so they can have their own quality health insurance,” said Dr. Neerhof.

“Under Governors Rod Blagojevich and Pat Quinn, the number of Illinois residents of Medicaid has risen to 20%. We’re having problems paying our bills because politicians have added coverage and options beyond what is mandated by the Federal government. Furthermore, the state is not doing what is necessary to verify income and residency requirements. Adding more people to the Medicaid rolls through the implementation of Obamacare will only further increase costs and limit access to needed care.” says healthcare insurance broker and subject matter expert Steven Tucker.

“The Civic Federation found the State of Illinois will rack up $21 billion in unpaid Medicaid bills by 2017. We need to repeal Obamacare and the Medicaid Maintenance of Effort (MOE) requirement to give Springfield and other state governments the flexibility to seriously reform Medicaid andhelp build a better health care system for those most in need,” said Tucker.

“Tom Cross was for real reform before he was against it,” Tucker said.

During this vote crisis, many of you may remember that Illinois Tea Party urged members to post, call, email, fax and beg elected officials to vote ‘NO’.

In the end, Cross was able to cast a ‘no’ vote because he had secured enough ‘yes’ votes from the other Republicans.  Make no mistake, it was the IL REPUBLICANS who passed the bill.  (It is useful to note that the current IL GOP Minority leader Jim Durkin voted YES.)

Tom Cross also cut a deal with Christine Rodogno, who twisted the arms of several lame duck Republican Senators to vote ‘yes’.  Namely, Shane Cultra, Tom Johnson, John O. Jones, John Millner and Suzi Schmidt in the Senate.

The official voting record reflects the fact that Cross didn’t vote for it himself but he was indeed the deal broker.

Illinois Review coverage of the vote with Warner Todd Huston.  http://illinoisreview.typepad.com/illinoisreview/2012/06/tillman-to-cross-why-the-obamacare-obfuscation.html

Here is an MP3 of a C. Steven Tucker radio interview with radio host Robert Rees exposing Cross’s lies.
http://www.sbisvcs.com/Brochures/TomCross.mp3

Here is an article which describes the impact of bringing the Obamacare Medicaid expansion to Illinois.

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Desperation at BarackObama.com

The website doesn’t work, the cost isn’t affordable, the penalty is MUCH less, the deductibles mean the insurance will probably never pay out a dime – but the people exposing the truth are “shady groups”?
Erin Hannigan, BarackObama.com

To Me
 
Today at 2:32 PM
Truth Team

There are 17 million uninsured young Americans who are now eligible to get health insurance thanks to Obamacare. And — better yet — almost 90 percent of those young people could get some form of financial assistance for getting covered.

When we hear about shady groups trying to convince young people that getting health insurance is bad, too expensive, or just not necessary for them, Truth Team is fighting back, getting out the facts and making sure young people know their options.

The good news is the numbers show that young people are seeing through it — polls show only 5 percent of young Americans say they don’t want or need health insurance.

The demand is there. It’s up to us to make sure everyone knows the truth about getting covered.

Share this graphic on Facebook and spread the word about how Obamacare is helping young people get affordable care:

Let your friends know.

Or tweet it out to your friends:

Thanks,

Erin

Erin Hannigan
Health Care Campaign Manager
Organizing for Action

Holding a gun to the Republican’s head

by:  Diane Benjamin

The Democrats called Republicans terrorist, hostage takers, and many other vile names when the GOP wanted to delay the implementation of ObamaCare.  The President said he would not negotiate with people holding a gun to his head.

I’m not even sure it’s been 2 weeks since those comments.  How things change!  Have you lost your insurance?  Posts are all over the Internet of people getting their cancellation notices.  It is impossible to buy catastrophic coverage anymore because ObamaCare says you can’t.  Hope and Change at work.

Now the Democrats are changing their view of ObamaCare, at least the ones worried about reelection.  Evidently Ted Cruz was right:

SEN. MANCHIN (D-WV) TO INTRODUCE BILL TO DELAY INDIVIDUAL MANDATE

On Wednesday, Sen. Joe Manchin (D-WV) revealed that he was working on a bill to delay the Obamacare individual mandate. He said in late September that he would support efforts to delay the individual mandate, but this is the first time that Manchin has signified that he will lead a legislative effort toward such a delay.

Manchin’s spokesperson, Jonathan Kott, said Manchin will not back Sen. Marco Rubio’s (R-FL) proposal for an indefinite delay to work out insurance exchange glitches, but that he would instead work on a bill “to delay the penalty for a year.” During the shutdown debate, Manchin voted against delaying the individual mandate in order to preserve the shutdown.

Source:  http://www.breitbart.com/Big-Government/2013/10/23/Sen-Manchin-delay-individual-mandate

ATTENTION Main Stream Media. Regarding Obamacare, I TOLD YOU SO.

by: C Steven Tucker

 Back on August 3rd, 2013 I wrote a piece exposing what I stated then will soon happen to millions of Americans if we do not support the Tea Party and Republican lead effort to defund Obamacare. In that piece, I stated when President Obama promised – “If you like your plan, you can keep your plan and no one will take it away from you, period” he was not telling the truth. Watch President Obama make this false promise below:

Below I will link to some real world examples of what is beginning to happen because the Obamacare “Health Insurance Exchange Marketplaces” opened on 10/1/13 and were funded (once again) by Republicans in the most recent Continuing Resolution on the evening of October 16, 2013.

Firstly, here is a sample copy of a letter that my Aetna clients are already receiving. These clients are now losing their individual and family health insurance plans. They will be forced into an Obamacare compliant plan as of 12/30/2013 where the cheapest – “Bronze” plan – will expose them to a $12,700 out of pocket risk exposure each year for in network covered charges.

Secondly, here is a sample copy of a letter that my Humana individual and family policy holders are now receiving. They too are now being forced into the Obamacare exchanges and they too will face the same aforementioned $12,700 out of pocket risk for their family each year for the cheapest – “Bronze” – plan.

Thirdly, here is the first letter I received just today from a client who just had their Blue Cross Blue Shield of Illinois family policy terminated. Notice their replacement plan options. They are offered the following Obamacare compliant plans from Blue Cross:

The Blue Bronze PPO 005. Click here to view the outline of coverage for this plan.
The Blue Choice Silver PPO 003. Click here to view the outline of coverage for this plan.
The Blue Choice Bronze PPO 006. Click here to view the outline of coverage for this plan.

Notice the out of pocket costs with each of those plans? Every one of them has a higher out of pocket risk to this client than the risk his family carriers now and all of them are more expensive than what he pays now. With the exception of the “Bronze PPO 006″ plan which more than DOUBLES his family’s out of pocket risk exposure on his current “HSA 100%” plan. Remember, president Obama also promised rates would go down by $2,500? Watch him make that false promise here:

You can run your own Obamacare compliant rates by clicking on my Blue Cross Blue Shield of Illinois quote engine below:

If you’re not in Illinois, you can run your own Obamacare approved rates using my Humana quote engine here:

Please note: There is one major difference between my online quote engines and the “Health Insurance Exchange Marketplace” at HealthCare.govMine actually work!

Months after I penned that original article – on August 3, 2013 – a flagship member of the main stream media – NBC – finally confirmed in their article entitled  Thousands get health insurance cancellation notices“ that I was indeed speaking the truth and not a ‘fear-mongerer’, ‘racist’ or ‘liar’ as I have been labeled repeatedly by our ‘friends on the Left’ since writing that piece.

Several days before NBC finally confirmed I was right. A newspaper in California detailed the anger and frustration by two time Obama voters who were also losing their health plans and facing an increase in their family premium of $10,000 a year. You can read that California newspaper piece if you click here.

Oh and it’s not just individual and family policy holders who are losing their health insurance policies because of Obamacare. It’s employer sponsored group policy holders as well. Click here to see a copy of the California Farm Bureau Federation group policy termination letter sent to their insured members. The CBO is predicting that 14.5 million Americans will lose their health plans after 2014. I disagree. I am predicting more than 40 million Americans will lose their health employer sponsored health insurance plans. I discussed why for the Fox Business television network.

View the video and read the article on the Fox Business web site by clicking here:

Worse yet, those whom we count on to provide us with the care we need are also losing their health insurance plans because of Obamacare. Here is a letter that doctors and dentists in Illinois received all over the stateThey too will be losing their health insurance plan as of 12/31/2013.

About a month after I penned my original piece on August 3rd, other Blue Cross associations all over the country began sending our their policy termination letters. You can see the Independence Blue Cross policy termination letter if you click here.

Click here to read another policy termination notice and Obamacare compliant replacement letter from Regence Blue Shield of Nebraska. Pay particular attention to $12,700 annual out of pocket expense risk that this family will now face when they are forced to switch to an Obamacare compliant “Bronze” plan on 12/30/2013.

All of these policy holders are being forced to forfeit their existing plans and agree to accept an Obamacare compliant plan (along with the premium increases required) byDecember 31, 2013. I discussed this for the Fox Business television network on 09/30/2013 the day before the Obamacare “Health Insurance Exchange Marketplace” opened.

Why is this happening now?

I will use the state of Illinois as an example. Governor Quinn had originally expected 16 health insurance carriers to offer products within the Illinois Obamacare exchange. Only 6 carriers have chosen to sell plans within the exchange. They are as follows:

Humana
Blue Cross Blue Shield of Illinois
Aetna
Coventry
Land of Lincoln Health
The Carle Foundation, a nonprofit hospital network based in Urbana

Since these carriers have chosen the option to offer a “Medal” (Bronze, Silver, Gold or Platinum) product within the exchange all individual/family health insurance plans that they have already sold in years 2011, 2012 and 2013 must be terminated and replaced with a plan that conforms to the design of the “Medal” plans sold inside the exchanges. These new replacement plans must add all 10 of the federally mandated“Essential Health Benefits” and they must conform in design to the deductible and other out of pocket expenses that will be included with the “Medal” plans sold inside the exchanges.

There are however two large insurance carriers that are staying out of the new Obamacare “Health Insurance Exchange Marketplace” in Illinois and most other states. Those carriers are United HealthOne and Assurant Health. Because these two carriers are staying out of the exchange, the PPACA (Obamacare) law allows them to continue to design their products differently than the plans sold within the exchange.

Although these two carriers must still adopt all 10 of the new federally mandated“Essential Health Benefits” and they must also offer guaranteed insurability (no preexisting conditions) to all applicants during ‘Open Enrollment” periods. The deductible and coinsurance arrangements that they can offer to their clients can be higher than the standard deductibles and coinsurance arrangements that will be offered in the exchanges

This means that their prices will be inherently lower than the “Medal” plans sold inside the exchanges. This is most especially true for individuals with MAGI – Modified Adjusted Gross Incomes – higher than 400% of the Federal Poverty Level. That would be $46,000 a year for an individual, $62,000 for a couple and $94,200 for a family of four. These Americans will receive no taxpayer funded ‘subsidy’ to artificially lower the cost of the expensive health insurance plans that will be sold within the new health insurance exchanges.

Because these two carriers are staying out of the Obamacare exchange. Not just here in Illinois but around the country. They are both able to make the following commitment to potential new policy holders. If you purchase a health insurance plan from either of these carriers prior to 2014 you will not lose or have to change that health plan and you will not receive a premium increase until December 30, 2014.

Watch United HealthOne make this promise here.

Read Assurant Health’s promise here.

It’s not just health plans that have been terminated. We’ve lost 13 carriers as well.In July of 2013 I lost the 13th individual health insurance carrier since Obamacare passed. See this insurance company’s exit letter here. The other individual health insurers who have pulled out of the individual health insurance market since the passage of Obamacare are as follows.
1.) American National
2.) American Republic > 35,000 people LOST their health plans when American Republic exited the market. Hundreds of jobs were lost as well.
3.) American Medical Security
4.) American Community Mutual
5.) Standard Life & Accident
6.) Principle Financial
7.) nHealth
8.) World Insurance
9.) Unicare
10.) Guarantee Trust Life < One of my clients in Naperville, Illinois who received that letter lost her plan during Breast Cancer treatment!
11.) Coventry
12.) Physicians Benefit Trust
13.) Independence Holding Group

Obamacare is creating a massive insurance monopoly. These smaller carriers that I used to be able to offer to my clients, the carriers with the good prices are now gone. They are being gobbled up by the larger carriers. We now have only a handful of health insurance carriers left in the country. Think about it, you know this. Look at the exchange plans and see if you can find more than 5 carriers who are offering plans.

Eliminating health insurance carriers and creating a taxpayer funded monopoly is not ‘competition’. It is a monopoly and nothing drives up prices like a monopoly.

Source:  http://csteventucker.wordpress.com/2013/10/22/3710/

Clarifying the ObamaCare penalties

How much are the penalties for not buying a health plan?

The penalties are not very high to begin with. In 2014, the fine to remain uninsured is $95 per person (up to a family maximum of $285, or 1 percent of family income, whichever is greater).

But the penalty will increase more than sevenfold in the next two years, with the fine running as much as $695 per person by 2016. The family maximum would be as high as $2,085 (or 2.5 percent of family income, whichever is greater).

Who is eligible for such exemptions?

You can be exempted from the requirement to buy health insurance – and hence, from the penalty – if you meet one of the following requirements:

•You are uninsured for less than three months of the year.

•You live illegally in the United States.

•You’re incarcerated, and not awaiting disposition.

•You’re a member of a recognized Indian tribe.

•Your income is officially deemed too low.

•The lowest-priced converge would cost more than 8 percent of your household income.

•You’re a member of a recognized religious sect with religious objections to insurance, including Social Security and Medicare.

•You’re a member of a recognized health-sharing ministry. (Note: Christian Scientists do not currently qualify for the exemption.)

Healthcare.gov also provides a list of hardship exemptions that qualify an individual for exemption.

This flow chart from the Kaiser Family Foundation might help you determine if you need to buy health insurance.  

If you are not exempt, how will the penalty be assessed?

You will be required to provide information regarding health insurance when you file your 2014 federal income taxes. For those who elect not to buy health coverage, the penalty will probably be assessed on the form or withdrawn from your tax refund.

In other words, it’s so complicated nobody understands it!

Read more:  http://www.csmonitor.com/USA/DC-Decoder/2013/1001/Obamacare-101-What-to-know-if-you-opt-out-of-buying-health-insurance

ObamaCare: Visualize the Destruction

ObamaCare1

 

 

 

 

 

 

 

This chart appeared shortly after the bill passed.  It wasn’t complete.  Imagine what it looks like now.  Test: Find the death panels, they are there.  Click on the picture to enlarge.  Obviously this isn’t about improving healthcare, it’s about controlling you.

ObamaCare1

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