Posts Tagged ‘insurance

28
Jul
14

ObamaCare Works – And Kentucky Is Proof

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LEO Weekly: Medicaid Expansion Leads To Booming Reimbursements, Plunging Uninsured Rate In Kentucky

Kentucky’s Department of Medicaid Services has also provided this map that shows how the uninsured rate has plummeted within each county since 2012, assuming that 75 percent of Kynect enrollees did not previously have insurance (as indicated in their Kynect application): While this drop is staggering through the state, it is most pronounced in the four eastern Kentucky counties of Harlan, Letcher, Leslie and Perry, who went from 17-20 percent uninsured to less than 5 percent. These four counties went from some of the highest uninsured rates to the lowest in the entire state. Thanks, Obama.

While rural hospitals in Kentucky still face unique challenges that must be addressed, including how well Medicaid managed care is able to meet the increased demand for providers, the rosy estimates given by Gov. Beshear last year on the effects of embracing the Affordable Care Act appear to be coming to fruition. The question still remains whether Kentucky’s legislature will decide to continue these efforts next year, or whether a possible new Republican majority in the state House will decide to roll back the clock.

More here

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Mary Meehan: Affordable Care Act Refunds Due From Four Kentucky Insurers

Kentucky families will receive $6.2 million in refunds, an average of $43 per family, under a provision of the Affordable Care Act known as the 80/20 rule. The refunds announced Thursday by the federal government are the result of the rule requiring insurance companies to spend at least 80 percent of the money paid in premiums on patient care. If the companies don’t reach that amount with spending on bonuses or red tape, it must be refunded to their customers.

According to a news release from the federal Department of Health & Human Services, consumers nationwide will receive $330 million. Four Kentucky health insurance plans will refund money. Anthem Health Plans of Kentucky had by far the largest refund at $4.4 million. Humana Health Plan was at $766,295, Golden Rule Insurance Co., $342,336, and Time Insurance Co., $333,096.

More here

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24
Jul
14

Rise and Shine

On This Day: Senator Barack Obama leaves the stage after making a speech in front of the Victory Column in Berlin on July 24, 2008

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Today

9:50 PDT: The President attends a DNC fundraiser, private residence, Los Angeles

1:25 PDT: Delivers remarks, Los Angeles Trade-Technical College

3:05 PDT: Departs Los Angeles

5:0 EDT The President’s interview with CNBC’s Steve Liesman is aired

10:50 EDT: Arrives White House

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@petesouza: Pres Obama disembarks from AF1 in LA

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LA Times: In Los Angeles, Obama Gives His Die-Hard Supporters A Tough-Love Talk

President Obama delivered a tough-love talk to his biggest boosters  Wednesday, telling Democratic donors gathered in Los Angeles that they need to step it up before November if he’s going to get much done in his last two years in office. “You thought, ‘OK, we elect Barack and that’s it,’” Obama told a crowd big-dollar donors gathered in the lush Hancock Park backyard of TV producer Shonda Rhimes. He reminded them that he’d warned that it wasn’t about electing him but about getting “our democracy to work.” “I have got to have a Congress that has some sense and is willing to work and is willing to compromise and is focused on the American people. And we don’t have that right now.” Obama is often candid about what he describes as Democrats’ chronic problem: low turnout in midterm elections. But his remarks Wednesday came with a sharper ribbing for a crowd he seemed to think could take it.

Democrats like the fun of a presidential campaign, Obama said. But “we’ve got to step it up in the midterms. Not when it’s easy, not when it’s sexy, not when there’s hope posters….” While Democrats “don’t even know there’s an election,” Obama said, Republicans get to the polls. “Lo and behold we’re surprised when John Boehner is speaker of the House! What happened to Nancy Pelosi? What happened is y’all didn’t vote. And that’s when all kinds of … stuff happened,” Obama said, pausing as if deliberating on whether to keep the rant clean. “That’s what it was — stuff.”

More here

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Marketwatch: Jobless Claims Lowest In More Than Eight Years

The number of unemployed workers applying for jobless benefits tumbled in the most recent weekly data to the lowest level in more than eight years, signaling that employers are letting go of very few workers.

Applicants for regular state unemployment-insurance benefits in the week that ended July 19 dropped by 19,000 to 284,000 — the lowest level since February 2006, the U.S. Labor Department reported Thursday. Economists surveyed by MarketWatch had expected initial claims of 310,000 in the most recent weekly data.

More here

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Steve Benen: Jobless Claims Improve To Eight-Year Low

The last time the Labor Department published a report on initial unemployment claims this good, the Great Recession hadn’t even started yet:

The number of people who applied for regular state unemployment-insurance benefits in the week that ended July 19 tumbled by 19,000 to 284,000 – the lowest level since February 2006 – signaling that companies have further slowed down the pace of layoffs and are letting go of few workers, according to government data released Thursday….

Regular readers know I run the above chart every Thursday morning, highlighting initial unemployment claims since January 2007, the year the Great Recession started. Look closely, however, and you’ll notice that today’s report is the best since before the chart began.

More here

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Chicago Tribune: U.S. Health Insurers To Pay $330 Million In Premium Rebates

U.S. health insurers will send out about $330 million in rebates to employers and individuals this summer under President Barack Obama’s healthcare law, the U.S. Department of Health and Human Services said on Thursday.

The law, often called Obamacare, requires insurance companies to refund customers when they spend less than 80 percent or 85 percent of healthcare premiums they collect for medical care.

The rebates will go to about 6.8 million people and have a value of about $80 per family. They are to be sent by Aug. 1 either directly to consumers or to the employer providing the health coverage, who is required to pass the savings onto employees, the agency said in a report.

More here

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Pro Publica: Even After Open Enrollment, Activity Remains Unexpectedly High On Federal Health Insurance Exchange

New federal data, obtained by ProPublica under the Freedom of Information Act, shows nearly 1 million insurance transactions since mid-April.

For months, journalists and politicians fixated on the number of people signing up for health insurance through the federal exchange created as part of the Affordable Care Act. It turned out that more than 5 million people signed up using Healthcare.gov by April 19, the end of the open-enrollment period.

But perhaps more surprising is that, according to federal data released Wednesday to ProPublica, there have been nearly 1 million transactions on the exchange since then. People are allowed to sign up and switch plans after certain life events, such as job changes, moves, the birth of a baby, marriages and divorces.

The volume of these transactions was a jolt even for those who have watched the rollout of the ACA most closely.

More here

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CNN: CNN Poll: Is Obamacare Working?

More than half the public says Obamacare has helped either their families or others across the country, although less than one in five Americans say they have personally benefited from the health care law, according to a new national poll. A CNN/ORC International survey also indicates that a majority of Americans oppose the Affordable Care Act, but that some of that opposition is from people who don’t think the measure goes far enough.

The poll, conducted this past weekend, was released on Wednesday, one day after a federal appeals court upheld Obamacare tax subsidies. That ruling came just a couple of hours after a separate appeals court struck down such subsidies for the millions of Americans enrolled in the federal government’s HealthCare.gov exchange. 53% say that Obamacare has helped either their families or others across the country.

More here

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ThinkProgress: Demonizing Migrant Children Proves An Epic Fail For Anti-Immigrant Groups

Anti-Immigrants can’t even throw a good rally anymore.

Anti-immigrant groups have hit upon the issue of children fleeing violence who are arriving unaccompanied by adults at our southern border. These children are coming from three countries: El Salvador, Honduras and Guatemala. All three countries have very serious problems with gang violence, murder and child trafficking into prostitution. Under current US federal law these children have the right to have their cases thoroughly evaluated to ensure that no child is returned to a country where they might be killed, injured or trafficked.

… To make their case that Americans are really upset about an increase in unaccompanied children at the border, anti-immigrant groups staged what was supposed to have been a massive number of protests around the country. They staged a “National Day of Protesting Against Immigration Reform, Amnesty & Border Surge”….

…. Despite this all in effort, the anti-immigrants failed miserably to turn people out to protest children. If these rallies around the country were meant to demonstrate the power of the anti-immigrant movement, they may instead signal its end. In many cases, no one showed up at all.

More here

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Brian Beutler: The Conservative Judges Who Ruled Against Obamacare Missed This One Very Important Detail

We now know that two conservative judges on the D.C. Circuit Court of Appeals have declared it illegal for the government to subsidize Obamacare health plans in states that didn’t set up their own insurance exchanges. In reaching that conclusion, Judge Thomas Griffith, who authored the opinion of the court, sought to rebut each of the Obama administration’s arguments to the contrarythat the law clearly contemplates subsidizing health plans in every state whether or not a state built its own marketplace. But in one instance he based his counterargument on information that became outdated less than one week ago.

And the recent development turns that counterargument on its head. One of the White House’s most straightforward arguments is that neither Congress nor the administration would have approved a punitive system so at odds with the ACA’s ultimate, stated goal of achieving near-universal insurance coverage. The law seeks to achieve near-universal coverage by mandating the purchase of guaranteed, subsidized (and thus affordable) health plans. Take away the subsidies, and the plans are no longer affordable. If the plans aren’t affordable, they’re no longer compulsory. And if they aren’t compulsory and affordable the coverage expansion goal will be unattainable.

More here

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On This Day

Senator Obama waves to the crowd after making a speech in front of the Victory Column in Berlin, July 24, 2008

Sen. Obama waves from his car on July 24, 2008 in Berlin, Germany

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President Obama shares a lighter moment with Vice President Biden in the Oval Office on July 24, 2009 (Photo by Pete Souza)

President Obama meets with leaders from the disability community in the Roosevelt Room of the White House on July 24, 2009 (Photo by Pete Souza)

President Obama shakes the hand of a young military family member at the Marine Barracks evening parade in Washington, D.C. on July 24, 2009 (Photo by Samantha Appleton)

President Obama and First Lady Michelle Obama attend the U.S. Marine Barracks evening parade in Washington, D.C. on July 24, 2009 (All photos by Samantha Appleton)

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First Lady Michelle Obama bids farewell to departing staff Eirene Busa, White House Stenographer, center left, and Holli Crawford, White House Communications Agency, center right, aboard Bright Star during a flight from Manchester, N.H., to Joint Base Andrews, Md., July 24, 2011 (Photo by Samantha Appleton)

President Obama and Vice President Biden walk around the South Lawn of the White House, Sunday, July 24, 2011 (Photo by Pete Souza)

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President Obama greets patrons and restaurant staff during a local stop at the Gateway Breakfast House in Portland, Ore., July 24, 2012 (Photo by Pete Souza)

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President Obama presents Sen. Claire McCaskill, D-Mo., with a birthday cupcake aboard Air Force One, July 24, 2013 (Photo by Pete Souza)

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11
Jul
14

ObamaCare: Preserving Medicare For Future Generations

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Mother Jones: Medicare Just Keeps Producing Great Budget News

Medicare has been a bastion of good news lately. Every year, the CBO reduces its baseline estimate of Medicare costs, which have dropped by more than $1,000 since 2010. It is clear that the Medicare savings provisions in the ACA, such as reductions in provider payment updates and Medicare Advantage payments, have played a major role. In addition to scheduled reductions in Medicare’s more formulaic payment rates, providers may be tightening their belts and looking to deliver care more efficiently in response to financial incentives included in the ACA, and it is possible that these changes are having a bigger effect than expected.

For example, CMS recently reported that hospital readmission rates dropped by 130,000 between January 2012 and August 2013. It is also possible that hospitals and other providers are using data and other analytic tools more successfully to track utilization and spending and to reduce excess costs. Another more straightforward factor is that several expensive and popular brand-name drugs have gone off patent in recent years, which has helped to keep Medicare drug spending in check.

More here

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02
Jul
14

ObamaCare: ‘More Got Insurance In First Half Of 2014 Than Lost It In 8 Years Of Bush’

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LOL GOP: More Americans Gained Insurance In The First Half Of 2014 Than Lost It Under 8 Years Of Bush

Of George W. Bush’s myriad of failures that continue to wreck havoc at home and abroad, 7.9 million Americans losing their health insurance rarely gets mentioned. “When [former president Bill] Clinton left office, the number of uninsured Americans stood at 38.4 million,” Ron Brownstein wrote in 2009. “By the time [former president George W.] Bush left office that number had grown to just over 46.3 million, an increase of nearly 8 million or 20.6 percent.” And as Bush left office, the percentage of those without insurance continued to grow as millions continued to lose their jobs in the recession President Obama inherited. But in 2011 the percentage of uninsured began to shrink slightly as the Affordable Care Act went into effect.

That shrinkage leveled out over the next two years but 2014 will likely offer the biggest reduction in the uninsured population at least in decades. The Incidental Economist‘s Aaron Carroll — who hosts a great YouTube series called Healthcare Triage — looked at a new survey from Gallup and found that it suggests “about 10-11 million Americans are newly insured this year. Almost 9 million of them received private insurance through the exchanges.” This means far more Americans have gained health insurance in the first six months of this year than lost it under George W. Bush. It also means that every prediction Republicans have made about this law has been wrong.

More here

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27
Jun
14

ObamaCare: Less Than The Price Of Cable

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German Lopez: Millions Of Americans Are Paying Less For Obamacare Than Cable

Subsidized shoppers on HealthCare.gov are paying, on average, $82 monthly premiums for health plans, new data from the US Department of Health and Human Services shows. The report, published Wednesday, is the most in-depth look available so far at the prices that federal marketplace shoppers will pay for private health coverage. It shows the vast majority of shoppers will use federal subsidies to pay for insurance, significantly reducing their monthly price tag. Senior HHS officials, in a conference call with reporters Tuesday, emphasized the report’s findings to show that Obamacare is keeping prices low for shoppers and bringing new competition to the insurance markets.

To the Obama administration, the report is more evidence the health-care law is working as intended. About 87 percent of subsidized HealthCare.gov shoppers had at least part of their premium covered with tax credits, which are available to low and middle-income Americans. How much shoppers paid depended largely on how generous of an insurance plan they selected. After accounting for subsidies, enrollees paid an average of $69 per month for the least-generous bronze plan to an average of $220 per month for the most-generous platinum plan. As a result of the subsidies, about two-thirds of HealthCare.gov shoppers who qualified for tax credits are paying $100 or less each month for health insurance.

More here

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German Lopez: Gallup: Most Newly Insured Americans Used Obamacare’s Exchanges

One in 20 Americans report being newly insured in 2014, and more than half of the newly insured say they obtained health insurance through Obamacare’s exchanges, according to new data from Gallup. Gallup previously found the nation’s uninsured rate remains at 13.4 percent after a peak of 18 percent last year. That finding, along with the new data, suggests that Obamacare helped millions of Americans gain health insurance after open enrollment began last October.

More here

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18
Jun
14

The Affordable Care Act Lives Up To Its Name

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Columbus Dispatch: Obamacare Premiums Average $80 A Month

People who signed up for coverage under President Barack Obama’s health-care law are paying about $80 a month in premiums on average, the administration reported yesterday. The new numbers from the Health and Human Services Department cover only the 36 states where the federal government took the lead in setting up new insurance markets, accounting for about 5.4 million of the 8 million people who signed up nationally. Major states like California and New York were not included, but that might not affect national averages by much. The law limits what people pay for a benchmark plan to a fixed share of their income, regardless of where they live.

Among the major findings: • Taxpayers are subsidizing 76 percent of the average monthly premium in the 36 federally administered markets. • The average premium is $346 a month, but the typical enrollee pays just $82. Tax credits averaging $264 a month cover the difference. The government pays the subsidy directly to insurers. • After tax credits, Mississippians paid the least for coverage — averaging just $23 a month on average premiums of $438.

More here

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Alex Walsh: Obamacare Side Effect: Alabama Medicaid Enrollment Goes Over 1 Million Due To Awareness, Rule Changes

Alabama has so far rejected the federal government’s proposal to expand Medicaid. Regardless, the Affordable Care Act still had the effect of increasing the size of Alabama’s Medicaid rolls. Medicaid enrollment in Alabama jumped up noticeably in January 2014, from around 970,000 to just over 1 million. Part of the reason behind the increase was a rule change enacted by the Affordable Care Act. The ACA required the state to transfer about

23,000 children from ALL Kids (Alabama’s Children’s Health Insurance Program, or CHIP) over to the Medicaid rolls. Health care analysts also say that the roll-out of the Affordable Care Act brought a new wave of attention to health insurance, motivating many Americans to check their eligibility for various existing programs. This effect has been called “wood working” by some organizations, including Kaiser.

More here

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Bozeman Daily Chronicle: Letter To The Editor: Affordable Care Act Feels Like I Won The Lottery

I must add my so so appreciative voice to all the press about the Affordable Care Act (ACA). I must say it is the best thing that has come along in my lifetime since “sliced bread.” My husband and I paid $14,520 in premiums alone this year for very high deductible policies. The ACA is allowing the premium cost to stay within 9.5 percent of your income if you are in the 400 percent above poverty income range. Our premiums were well above that percentage of our income.

This high premium stuff with riders and coinsurance has been going on for us since 2007 when we lost our group coverage, with hugely increasing premiums every year. Before we got any help from insurance our out-of-pocket would have been $30,000. Our joined premium per month will be $660 and our maximum out-of-pocket for care will be $3,250 each. I feel like I won the lottery: no riders and no preexisting Blue Cross policies with nationwide providers.

More here

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05
May
14

Rise and Shine

On This Day: President Barack Obama and First Lady Michelle Obama greet guests at the Cinco de Mayo reception in the Rose Garden of the White House, May 5, 2010 (Photo by Pete Souza)

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Today (all times Eastern)

10:55: The President holds a bilateral meeting with President Ismail Omar Guelleh of Djibouti

1:0: Press Briefing by Jay Carney

2:0: Vice President Biden Speaks to the American Psychiatric Association Annual Meeting

5:50: The President hosts a Cinco de Mayo reception, Rose Garden

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The Week Ahead

Tuesday: The President attends meetings at the White House.

Wednesday: Travels to Los Angeles to participate in a joint DSCC/DCCC event. In the evening, the President will be honored at a dinner hosted by the USC Shoah Foundation. He will remain overnight in Los Angeles.

Thursday: Participates in a DNC roundtable in Los Angeles before traveling to San Diego to participate in a DCCC event. The President will then travel to San Jose where he will participate in two DNC events and remain overnight.

Friday: Participates in an event on energy in the San Jose area. Following the event the President will return to Washington, DC.

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@TheObamaDiary

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BBC: Boko Haram admits abducting Nigeria girls from Chibok

Nigerian Islamist militant group Boko Haram says it carried out the abduction of hundreds of schoolgirls in April.

About 230 girls are still believed to be missing, prompting widespread criticism of the Nigerian government.

“I abducted your girls,” Boko Haram leader Abubakar Shekau said in a video obtained by the AFP news agency.

Meanwhile, a woman who helped organise protests over the abduction has been detained, her fellow community leaders say.

More here

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Jonathan Cohn: Gallup: Number of Uninsured Lowest We’ve Ever Recorded

Obamacare is reducing the number of Americans without health insurance. And while nobody can say for sure exactly how many people are getting coverage, Gallup just provided a pretty big clue.

According to the organization, the proportion of adults without coverage last month fell to 13.4 percent. That’s lower than it was last yaer. That’s lower than it was when the Affordable Care Act became law—and when President Obama took office.

In fact, that’s lower than it’s ever been since the beginning of 2008, before the economic crisis, which is when Gallup started taking regular monthly polls on this question.

More here

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 Steve Benen: Health care frauds vs. health care facts

It probably didn’t get as much attention as it deserved, but something unusual happened last week: House Republicans, including House Majority Leader Eric Cantor (R-Va.) got caught telling a rather brazen lie.

GOP officials issued a “report” arguing that “only 67 percent” of consumers who enrolled in the Affordable Care Act’s exchanges paid their first month’s premiums. In this case, Republicans were lying – they deliberately published a document that included fraudulent claims, intended to deceive the public, and once caught, the officials made no real effort to deny what they’d done.

Paul Krugman took Republicans to task in his new column, condemning them for “spreading disinformation about health reform because it works, and because they can – there is no sign that they pay any political price when their accusations are proved false.”

But the GOP’s failed attempt at a con arguably looks even worse this morning, with new evidence of the Affordable Care Act’s success.

More here

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Eclectablog: Obamacare success stories keep coming, with a rosy forecast for 2015

Karen is just one of 272,500 Michiganders who signed up for coverage through Healthcare.gov, where a strong finish to 2014 enrollment bodes well for next year.

So much good news, it’s hard to know where to begin.

On Thursday, Obama administration officials predicted health insurance premiums would be stable in 2015, thanks to a large and varied pool of insured Americans. This is according to the Kaiser Family Foundation, which reported that about 28 percent of the 8 million Americans who enrolled in private health insurance through Healthcare.gov were in the 18-34-year-old age range needed to help keep the risk pool balanced and keep premiums down — the demographic naysayers predicted would not sign up. Yet another “horror story” debunked.

In Michigan, 272,539 people signed up for coverage through Healthcare.gov, in addition to thousands more who have enrolled in the Healthy Michigan Plan, the state’s Medicaid expansion program that launched April 1.

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Paul Krugman: Inventing A Failure

Last week, House Republicans released a deliberately misleading report on the status of health reform, crudely rigging the numbers to sustain the illusion of failure in the face of unexpected success. Are you shocked?

You aren’t, but you should be. Mainstream politicians didn’t always try to advance their agenda through lies, damned lies and — in this case — bogus statistics. And the fact that this has become standard operating procedure for a major party bodes ill for America’s future.

About that report: The really big policy news of 2014, at least so far, is the spectacular recovery of the Affordable Care Act from its stumbling start, thanks to an extraordinary late surge that took enrollment beyond early projections….

This is a problem for Republicans, who have bet the ranch on the proposition that health reform is an unfixable failure … How can they respond to good news?

Well, they could graciously admit that they were wrong, and offer constructive suggestions about how to make the law work even better. Oh, sorry — I forgot that I wasn’t writing jokes for the White House Correspondents’ Dinner.

More here

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I assumed this ad was a parody ….. it’s not:

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Michael Hiltzik: Medicaid expansion is the final battle in war over Obamacare

The final battles of any war often are the bloodiest. They’re waged by the last holdouts, dead-enders desperate to prove to themselves and their dwindling followers that their efforts were not in vain.

The final battle of the war over the Affordable Care Act is being waged today over expanding Medicaid. As the act was originally conceived, Medicaid would provide healthcare for more than 10 million of the poorest uninsured Americans, most of them childless adults with earnings up to 138% of the federal poverty level. (This year, that income ceiling is about $16,000.)

Then the Supreme Court ruled in 2012 that Congress couldn’t impose the expansion on state governments, but had to make it voluntary. Republican legislators and governors in 28 states turned the expansion down. A handful later reversed themselves. These include four that, with federal permission, are temporarily trying out novel Medicaid formats.

The refusal of more than half the states to cover so many of their neediest citizens — the number who have fallen into the “coverage gap” is estimated at 5 million — amazes and frustrates health experts. That’s especially so because the federal government covers 100% of the cost of expansion through 2016. After that, the federal share will slowly decline to 90% in 2020 and beyond.

More here

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BBC: Ukraine crisis: Rebels ‘retreating’ in Sloviansk

Pro-Russian militants just outside Sloviansk have retreated amid attacks by Ukrainian troops, reports say.

Government forces took control of a TV tower in the suburbs and rebels were pulled back deeper into the city, the Russian Interfax news agency said.

Earlier reports told of heavy gunfire, apparently closer to the centre than in recent days.

But a BBC team which has recently reached the centre of Sloviansk says the city is currently quiet.

Four Ukrainian soldiers were killed and 30 injured in an incident in Sloviansk, the interior ministry said.

Fears of an impending offensive by Ukrainian forces on the pro-Russian stronghold had been growing overnight, sources inside the city said earlier.

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Salon: Diagnosing Paul Ryan’s psychopathy: Arrogant, manipulative, deceitful, remorseless

Paul Krugman revealed Ryan’s big con years ago. It’s gotten worse. Why does anyone take him seriously on policy?

If the GOP as a whole has pretty much given up on the whole “rebranding” thing, their 2012 vice presidential nominee, Congressman Paul Ryan, most definitely has not. In fact, rebranding is pretty much his thing, regardless of how credible — or incredible, actually — his efforts may be.

For years, Ryan touted himself as an avid Ayn Rand disciple, until he didn’t in early 2012, even calling it “an urban legend” that he had anything serious to do with Rand at all. He then tried to present the latest iteration of his draconian soak-the-poor/shower the rich budget proposal as grounded in Catholic social teaching, rather than Rand’s fiercely anti-Christian philosophy, a claim that the conservative U.S. Conference of Catholic Bishops soundly rejected, writing that his proposed budget failed to meet certain “moral criteria” by disproportionately cutting programs that “serve poor and vulnerable people.”

Now, seeking to put all memory of the “47 percent” campaign behind him, Ryan’s trying to take that reinvention to a whole new level.

More here

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On This Day

Senator Obama walks out to address supporters at a campaign stop at the American Legion Mall in Indianapolis, May 5, 2008

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President Obama and Vice President Biden wait in line to place their orders during an unannounced lunch-time visit to Ray’s Hell Burger in Arlington, Va., May 5, 2009

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President Obama, joined by First Lady Michelle Obama, Dr. Jill Biden, Veterans Affairs Secretary Eric K. Shinseki, Members of Congress and guests, signs the Caregivers and Veterans Omnibus Health Services Act in the State Dining Room of the White House, May 5, 2010 (Photo by Chuck Kennedy)

May 5, 2010: “After doing a series of posed photos, the President started joking around with the First Lady in the Diplomatic Reception Room of the White House before a Cinco de Mayo event.” (Photo by Pete Souza)

President Obama walks along the South Lawn Drive of the White House with Sen. John Kerry, May 5, 2010 (Photo by Pete Souza)

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May 5, 2011: “A few days after the mission against bin Laden, the President traveled to New York City to meet with families of the 9/11 victims. He also visited at Engine 54, Ladder 4, Battalion 9 Firehouse. The firehouse, known as the “Pride of Midtown,” lost 15 firefighters on 9/11 — an entire shift and more than any other New York firehouse. Here, the firefighters offer an impromptu toast to the President in honor of their fallen comrades during a lunch at the station house.” (Photo by Pete Souza)

President Obama meets with firefighters and first responders at Engine 54, Ladder 4, Battalion 9, before visiting the National Sept. 11 Memorial at Ground Zero in New York, May 5, 2011

President Obama speaks with New York City Police Sergeant Stephanie Moses after laying a wreath at the 9/11 Memorial at Ground Zero in Lower Manhattan May 5, 2011

President Obama greets family members after laying a wreath at the 9/11 Memorial in New York on May 5, 2011

President Obama and First Lady Michelle Obama at a Cinco de Mayo reception in the White House, May 5, 2011

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Leaving the White House, May 5, 2012

President Obama and First Lady Michelle Obama embrace at Schottenstein Center, Columbus, May 5, 2012

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First Lady Michelle Obama at Virginia Commonwealth University May 5, 2012 in Richmond

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President Obama steps down from Air Force One with Rep. Joyce Beatty (D-Ohio) at Rickenbacker International Airport in Columbus, Ohio, en route to speak at the Ohio State University spring commencement, May 5, 2013

President Obama delivers the address during The Ohio State University commencement at Ohio Stadium in Columbus, Ohio, May 5, 2013 (Photo by Pete Souza)

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MoooOOOooorning!

17
Mar
14

“I’m One Grateful Old Lady”

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A Word from ’57 and Female’ (comment here)

I am going to be 64 years old in a few months and being self-employed for the last 33 years I have never had one of my medications covered by insurance. Never. Just to stay minimally healthy, my asthma, blood pressure meds and a few others are around $600/month.

We had awful insurance that never covered my asthma until there was no insurance at all for the last decade. I lived in constant fear.

I chose a Gold plan – for my last year and half until Medicare I wanted maximum flexibility and a low deductible: $500 and $3,500 out-of-pocket cap with a large network. I chose a co-op plan. These plans, with no profit incentive, were supposed to be a bridge to something akin to a public option. In the 2012 budget fight, the Republicans won the elimination of these plans from ACA but anyone who had a grant before then was grandfathered in. IL was able to establish an insurance plan/company that will run on overhead similar to Medicare and we all ‘own’ the company.

My premium, after some subsidy, is $558/month. Your age can still be a factor in premium cost, but with a cap. I do have co-pays on my medications – it will be about $140/month. But I’m still only out a little more for truly comprehensive health care than what I was paying retail for my meds before ACA.

To walk up to the CVS Pharmacy counter and give them my card was overwhelming. My $320 asthma med: $70 co-pay. My $160 nasal spray: $30. And so on.

I need to get my first mammogram. I need to go to the gynecologist for the first time in 10 years. When I was sick last week and even the meds from the doctor weren’t working, I knew if – God forbid – I needed the ER because I couldn’t breathe, I could go. I have insurance. I will not be denied, as I was in 1983 because ‘no one develops asthma as an adult’ sayeth BCBS and they wouldn’t pay for my hospital stay.

I’m one grateful old lady.

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07
Jan
14

Make Your Voices Heard

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