Latest healthcare reform news and what it means to you

What Does This Health Care Reform Legislation Mean: The biggest changes to the nation’s health care system will not take effect until 2014. Some of the changes include: the creation of insurance marketplaces called “exchanges” where people can shop for insurance; rules requiring insurers to accept all applicants, including those with pre-existing conditions; and an expansion of state Medicaid programs. Some additional provisions will become effective immediately while others will kick in later this year.

These are some of the features of the new health care overhaul bill passed through the reconciliation process and slated to begin to take effect in 2010:

For new sales and subscribers who change policies after March 23, 2010, insurance companies will be required to make additional changes beginning in approximately 6 months, such as removing any member cost sharing for “preventive” benefits (as defined by the legislation). The renewal product requirements beginning for plan years 6 months after enactment include:
Coverage for dependents up to age 26;
Removal of limits on lifetime maximum benefits;
Temporary federal high-risk pools; and
Tax credits for small group employers.

Health Care Reform Impacts on Premiums: There are concerns that the new taxes on health coverage will likely increase premiums. Members of the news media report that under the health care overhaul , young adults who buy their own individual insurance will carry a heavier burden of the medical costs of older Americans. This is expected to raise insurance premiums for young people when the plan takes full effect in 2014.  Health companies that I have talked to all mention that premiums will be going up for everyone at some point and that there is no way they can stay in business and insure everyone and keep premiums and benefits the same.

In a nutshell, it’s way to early to know what’s going to happen.  Don’t stop making your payments thinking you can get it when you need it.  Lets hope the idiots who passed this bill will be voted out in November and then see what happens.  Reform is needed as we all agree, but not this reform.  It’s against our Constitution and a Socialistic agenda! I think it’s time to impeach Obama.

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Healthcare is not a right

Here is an article in the OC Register that is right on about the healthcare issue. Healthcare is not a right and I shouldn’t have to put money out of my pocket to pay for someone else to have it. Read on-
BY WALTER WILLIAMS
RELEASE: WEDNESDAY, MARCH 10, 2010
Is Health Care a Right?
Most politicians, and probably most Americans, see health care as a right. Thus, whether a person has the means to pay for medical services or not, he is nonetheless entitled to them. Let’s ask ourselves a few questions about this vision.
Say a person, let’s call him Harry, suffers from diabetes and he has no means to pay a laboratory for blood work, a doctor for treatment and a pharmacy for medication. Does Harry have a right to XYZ lab’s and Dr. Jones’ services and a prescription from a pharmacist? And, if those services are not provided without charge, should Harry be able to call for criminal sanctions against those persons for violating his rights to health care?
You say, “Williams, that would come very close to slavery if one person had the right to force someone to serve him without pay.” You’re right. Suppose instead of Harry being able to force a lab, doctor and pharmacy to provide services without pay, Congress uses its taxing power to take a couple of hundred dollars out of the paycheck of some American to give to Harry so that he could pay the lab, doctor and pharmacist. Would there be any difference in principle, namely forcibly using one person to serve the purposes of another? There would be one important strategic difference, that of concealment. Most Americans, I would hope, would be offended by the notion of directly and visibly forcing one person to serve the purposes of another. Congress’ use of the tax system to invisibly accomplish the same end is more palatable to the average American.
True rights, such as those in our Constitution, or those considered to be natural or human rights, exist simultaneously among people. That means exercise of a right by one person does not diminish those held by another. In other words, my rights to speech or travel impose no obligations on another except those of non-interference. If we apply ideas behind rights to health care to my rights to speech or travel, my free speech rights would require government-imposed obligations on others to provide me with an auditorium, television studio or radio station. My right to travel freely would require government-imposed obligations on others to provide me with airfare and hotel accommodations.
For Congress to guarantee a right to health care, or any other good or service, whether a person can afford it or not, it must diminish someone else’s rights, namely their rights to their earnings. The reason is that Congress has no resources of its very own. Moreover, there is no Santa Claus, Easter Bunny or Tooth Fairy giving them those resources. The fact that government has no resources of its very own forces one to recognize that in order for government to give one American citizen a dollar, it must first, through intimidation, threats and coercion, confiscate that dollar from some other American. If one person has a right to something he did not earn, of necessity it requires that another person not have a right to something that he did earn.
To argue that people have a right that imposes obligations on another is an absurd concept. A better term for new-fangled rights to health care, decent housing and food is wishes. If we called them wishes, I would be in agreement with most other Americans for I, too, wish that everyone had adequate health care, decent housing and nutritious meals. However, if we called them human wishes, instead of human rights, there would be confusion and cognitive dissonance. The average American would cringe at the thought of government punishing one person because he refused to be pressed into making someone else’s wish come true.
None of my argument is to argue against charity. Reaching into one’s own pockets to assist his fellow man in need is praiseworthy and laudable. Reaching into someone else’s pockets to do so is despicable and deserves condemnation.
Walter E. Williams is a professor of economics at George Mason University

Right on Walter!!  I do not want to be like Europe in ANY way.  Taxed up the kazoo and a bunch of socialistic liberal agenda’s, is not what America wants. 

For all your Financial or Insurance needs, please visit www.capistranofinancial.com and for an insurance quote, please visit www.capistranohealthlife.com

God Bless America! Happy Good Friday!

Darrell Fryer

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Expand the beast, then feed it

Great article by Charles Krauthammer in the 3.26.10 OC Register. He’s right on. It’s something everyone should read, and that’s why it’s on my blog. I really don’t want to be like Europe…anytime the Gov’t wants to tax more, it’s not a good thing. Gov’t needs to get out of our way. The American people will then innovate, hire, and things will recover.

WASHINGTON — As the night follows the day, the VAT cometh.
With the passage of Obamacare, creating a vast new middle-class entitlement, a national sales tax of the kind near-universal in Europe is inevitable.

We are now $8 trillion in debt. The Congressional Budget Office projects that another $12 trillion will be added over the next decade. Obamacare, when stripped of its budgetary gimmicks — the unfunded $200 billion-plus doctor fix, the double counting of Medicare cuts, the 10-6 sleight-of-hand (counting 10 years of revenue and only 6 years of outflows) — is at minimum a $2 trillion new entitlement.

It will vastly increase the debt. But even if it were revenue-neutral, Obamacare pre-empts and appropriates for itself the best and easiest means of reducing the existing deficit. Obamacare’s $500 billion of cuts in Medicare and $600 billion in tax hikes are no longer available for deficit reduction. They are siphoned off for the new entitlement of insuring the uninsured.

This is fiscally disastrous because, as President Obama himself explained last year in unveiling his grand transformational policies, our unsustainable fiscal path requires control of entitlement spending, the most ruinous of which is out-of-control health care costs.
Obamacare was sold on the premise that, as Nancy Pelosi put it, “health care reform is entitlement reform. Our budget cannot take this upward spiral of cost.” But the bill enacted on Tuesday accelerates the spiral: It radically expands Medicaid (adding 15 million new recipients/dependents) and shamelessly raids Medicare by spending on a new entitlement the $500 billion in cuts and the yield from the Medicare tax hikes.

Obama knows that the debt bomb is looming, that Moody’s is warning that the Treasury’s AAA rating is in jeopardy, that we are headed for a run on the dollar and/or hyperinflation if nothing is done.

Hence his deficit reduction commission. It will report (surprise!) after the November elections.

What will it recommend? What can it recommend? Sure, Social Security can be trimmed by raising the retirement age, introducing means testing and changing the indexing formula from wage growth to price inflation.

But this won’t be nearly enough. As Obama has repeatedly insisted, the real money is in health care costs — which are now locked in place by the new Obamacare mandates.

That’s where the value-added tax comes in. For the politician, it has the virtue of expediency: People are used to sales taxes, and this one produces a river of revenue. Every 1 percent of VAT would yield up to $1 trillion a decade (depending on what you exclude — if you exempt food, for example, the yield would be more like $900 billion).
It’s the ultimate cash cow. Obama will need it. By introducing universal health care, he has pulled off the largest expansion of the welfare state in four decades. And the most expensive. Which is why all of the European Union has the VAT. Huge VATs. Germany: 19 percent. France and Italy: 20 percent. Most of Scandinavia: 25 percent.

American liberals have long complained that ours is the only advanced industrial country without universal health care. Well, now we shall have it. And as we approach European levels of entitlements, we will need European levels of taxation.

Obama set out to be a consequential president, on the order of Ronald Reagan. With the VAT, Obama’s triumph will be complete. He will have succeeded in reversing Reaganism. Liberals have long complained that Reagan’s strategy was to starve the (governmental) beast in order to shrink it: First, cut taxes — then ultimately you have to reduce government spending.

Obama’s strategy is exactly the opposite: Expand the beast, and then feed it. Spend first — which then forces taxation. Now that, with the institution of universal health care, we are becoming the full entitlement state, the beast will have to be fed.

And the VAT is the only trough in creation large enough.

As a substitute for the income tax, the VAT would be a splendid idea. Taxing consumption makes infinitely more sense than taxing work. But to feed the liberal social-democratic project, the VAT must be added on top of the income tax.

Ultimately, even that won’t be enough. As the population ages and health care becomes increasingly expensive, the only way to avoid fiscal ruin (as Britain, for example, has discovered) is health care rationing.

It will take a while to break the American populace to that idea. In the meantime, get ready for the VAT. Or start fighting it.

Great article and eye opening of what lies ahead. We, The People, need to stand up and be loud and not take this crap. Gloves are off Washington, lets ROLL.

For all your financial and insurance needs, go to www.capistranofinancial.com

God Bless America,

Darrell

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stay away from discount health insurance

Stay away from “Discount” Health plans. Lately, I have been having people tell me they went with a health plan that was eye opening. After asking about the details, which so many people have no clue what they are getting, it was too good to be true.
If you have not heard of the company and is not one of the major carriers like Blue Cross, Blue Shield, Kaiser, Health Net, Aetna, United Healthcare, PacifiCare, Cigna, Assurant, then it’s a discount plan. Google the name of the company and read what is written about the company from other people who have been with them. You can also go to www.ripoffreport.com and get the scoop of how others have been scammed.

I have had people who have said they didn’t realize they didn’t have health insurance until they went to the ER with these plans.

In looking at health plans, you need to know the amount of the deductible, co-pay percentage once the deductible has been met, the max out of pocket you could have, the lifetime maximum payoff, office visits, and drug prescription coverage.  This is the least you compare.  For more information on how to analyze a plan, call me or send me an email.

God Bless America,

Darrell

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what does Mass Brown victory mean

Many are wondering what Republican Scott Brown’s victory in Massachusetts means to healthcare reform. Below, you can read NAHU’s take.

The halls of Congress are still shaking after Tuesday’s special election upset victory of Massachusetts Republican Scott Brown over Democrat Martha Coakley in the race to fill the late Senator Ted Kennedy’s seat. In addition to causing fear in vulnerable Democrats everywhere, the biggest impact the election has had is on the fate of the two comprehensive healthcare reform bills passed by both the House and Senate late last year. With their super-majority in the Senate eliminated, congressional Democrats and the Obama administration have spent the week scrambling to figure out a way to move health reform forward.

Initially there was talk about an attempt to rush an agreement through on a bill before Senator-elect Brown could be sworn in and seated in the Senate. However, that option has been effectively eliminated for a number of reasons:

1. The congressional Democrats are still far from coming to terms on the contentious parts of the two bills.

2. Even if an agreement were somehow quickly reached, the Congressional Budget Office (CBO) would still need a week to 10 days to determine the cost of the bill to the federal government, along with 72 hours before a final vote.

3. Despite initial threats to delay certification of Senator-elect Brown until all absentee ballots from overseas were counted, which could take several weeks, the margin of victory was so large (more than five percent) and the public pressure has been so great, Massachusetts officials have agreed to process the certification quickly.

4. Bowing to pressure from both the public and several of his moderate colleagues, Senate Majority Leader Reid publicly promised earlier this week to delay any further action on health reform until Senator-elect Brown is seated.

This leaves the Democrats with several different political options, all which have their problems. They include:

Attempting to quickly pass the Senate-passed legislation through the House, thereby avoiding another Senate vote. While this was initially the option favored by congressional leadership and the Obama administration, it has become clear in the last few days that it isn’t a politically viable one. House Speaker Nancy Pelosi (D-CA) announced yesterday that she does not have the 218 votes to do this, due to the political concerns of many in her caucus.

Getting the House to approve the Senate-passed bill, along with a separate pre-negotiated bill to “fix” all of the problems House members see in the current legislation. This idea is being touted by Families USA President Ron Pollack and others, but it could be very difficult to achieve. First of all, House and Senate Democrats would have to come to terms on the substantial differences between their two bills, which they have been unable to do thus far. Both bills would need to be scored, and then the “fix” bill would need to be virtually guaranteed to pass the Senate. That means Senate Majority Leader Reid would either need a 60th vote that he doesn’t have or the budget reconciliation process would have to be used to pass the “fix” bill, which is problematic for reasons described below.

Attempting to pass legislation through the Senate using the budget reconciliation process, which would only require 51 votes. While lots of Democrats and pundits continue to throw around this option, it is one fraught with political perils. It would require that the bill go back to the Senate committees of jurisdiction to be reworked because only provisions directly related to the federal budget can be considered under these rules. This would effectively eliminate most of the insurance reforms, abortion language, language on undocumented immigrants and other key elements Democrats feel are essential for passage and it would limit the authorization of most provisions to just five years. Also, even though debate would be limited and just 51 votes would be needed for passage, any senator could challenge any provision at any time and send it to the parliamentarian for a ruling. Sixty votes are needed to override the ruling of the parliamentarian on any issue, which could lead to lengthy and embarrassing votes on the Senate floor that the Democrats could lose. Another obstacle is that a number of Democrats, including Senators Byrd, Baucus and Conrad, have been steadfastly and publicly opposed to the use of this option for months and Reid, who is the fight for his political life in 2010 at home in Nevada, publicly stated in December this option was off the table. For more detailed information on how the budget reconciliation rules work, check out this article by the Kaiser Health News.

Trying to “pick-off” a Senate Republican to serve as the 60th vote. This would probably be an impossible task for the Democratic leadership at this point. Potential targets like Senators Olympia Snowe and Susan Collins of Maine have stated in recent days they will not go at it alone, and Senator Reid insulted Senator Snowe in December by publicly stating that past negotiations with her had been a waste of time. In addition, the Massachusetts election has strengthened the GOP’s hold on its members and their resolve for true bipartisan negotiations.

Negotiating a limited health insurance reform bill and/or pivoting to a jobs bill and trying to include some of the more popular health insurance reforms. This seems to be the option that many Democrats and the Obama administration are leaning toward at the moment. However, it does involve some admission of political defeat and loss of political capital. Plus, the Democratic leadership still will need to obtain 60 votes for Senate passage, as well as deal with the 2010 election and related concerns of politically vulnerable Democrats in both chambers. Also, there is some question as to whether or not members of the GOP would hand Obama and Democrats even a limited victory before the 2010 election.

At least in the House, taking up several smaller “rifle shot” health care bills that break the package into smaller, easier-to-digest and easier-to-sell chunks, which may be pursued along partisan or bipartisan lines. Republicans would be wary of engaging in this process unless they have an iron-clad agreement in public with House leadership that it would be truly bipartisan and both sides would have policy input on what gets considered. Otherwise, they are likely to see this as a partisan exercise that does not take into consideration a holistic approach to the problems in the health care system. In addition, these bills would still need to achieve the 60 vote standard to win passage in the Senate.

A final option would be scrapping the current bills and starting from scratch on health reform. In addition to the political blow to the administration, which has in recent days repeatedly reiterated that they don’t want to lose complete momentum on health reform and has been reluctant to move back to the political center in the past, this course of action would certainly damper core Democratic voter enthusiasm going into the 2010 election. If they really did go back to the drawing board and work openly with the GOP, the Democrats might win political points for bipartisanship. They also could turn more attention to jobs and the economy. But it would be unlikely that a new bill would be finished before the mid-term elections—neither side would want to give the other anything to tout—and bipartisan cooperation could certainly blow up, as it has many times in the past in Washington.

As the course for health reform shakes out over the next few days, NAHU will continue to work with our allies in the agent and broker, carrier and business communities. Our staff and members also continue to meet with lawmakers and congressional staff on our key issues relative to the two bills that are still technically on the table. Our plan is to keep advancing NAHU’s American Solution policy agenda and the role and value of health insurance agents, brokers and consultants no matter what course of action Congress and the administration ultimately take on reform.

NAHU has issued a press statement calling for bipartisan, responsible and affordable action on health reform that brings down the cost of medical care and makes needed improvements to our system. This week we are encouraging all of our members to call for responsible bipartisan reforms as well, by sending a message to their lawmakers through Operation Shout. Now is not the time to stop our grassroots activity—it’s the time to ramp it up!

Hey Boxer, your going to lose in Calif when it’s your turn too. Payback time.

Obama, you are going to go down worse than Carter. Jimmie must be stoked that when he croaks, someone will be worse than him.

Hey Unions, your next! Then State employees and your benefits that the unions have bankrupt us with! America has had enough and it’s showing. Ya baby!!

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health insurance for all

I write health insurance for individuals for a living, and I am amazed how people decide not to have health insurance when their payment is $80-$120 per month. I understand if they have no job and can’t afford that, but they could have health insurance through Medicaid. But when they have a job and choose not to pay it because they will go to the ER for care, that irritates the heck out of me. I hear that all the time from mostly people in their 20′s and 30′s. The government is so hell bent on making sure everyone gets healthcare. So who pays for people that don’t want to pay their portion? I do, you do,  and that is not right.

I go to meetings all the time with health carriers and they tell me that premiums will go up 70% based on the latest revisions. Health carriers are in business to write a profit. Their profit margin is 3% and they can’t be profitable if they are insuring everyone on the current rates.

All it takes is interstate commerce, tort reform, and clean up the fraud in Medicare and Medicaid. Also, in regards to treating illegals. Why not patch them up and send them back to their country for their care?

God bless America

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Healthcare news for the week of Nov 20, 2009

This Week in Health Reform: November 20, 2009

This week focused on the unveiling of Senate Majority Leader Harry Reid’s (D-NV) proposed health care reform legislation.

House and Senate Negotiations

Reid Unveils Senate Bill: Senate Majority Leader Harry Reid unveiled his version of health care reform legislation on Wednesday night after receiving cost estimates from the Congressional Budget Office (CBO). With a price tag of $849 billion over ten years, the bill will reduce the deficit by $127 billion over a decade and cut Medicare spending by $500 billion, while increasing taxes by $500 billion. In addition, the bill will:

· Provide coverage for 31 million Americans who currently lack health insurance – accounting for 94 percent of eligible Americans

· Offer a government-run option of which states can opt out

· Expand Medicaid

· Require most Americans to carry health insurance, providing subsidies for those who cannot afford it and imposing weak penalties for violations

· Bar insurance companies from denying coverage based on pre-existing conditions or dropping coverage for those who become sick

· Impose penalties on medium and large sized employers for not providing health insurance to employees

· Increase the Medicare payroll tax on higher-income workers

· Imposes fees totaling $101.9 billion on insurance companies, drug makers, and medical device manufacturers over ten years

· Impose a tax on high-cost health insurance plans provided by employers to their employees.

Immigration and Abortion Remain Central to the Debate: Access to care for illegal immigrants will continue to be contentious as lawmakers work to reconcile the health care legislation passed by the House and pending in the Senate. Under the bill approved by the House, illegal immigrants would not be barred from using their own money in the newly-created insurance exchanges. White House officials and members of the Senate Finance Committee, however, pledged that undocumented workers be barred not only from receiving subsidies but also from buying insurance through federally sponsored exchanges – even with their own money.

As Senate Majority Leader Harry Reid works to finalize the legislation, he will also need to address the question of federal funding for abortions, an issue that has proved starkly divisive. Because of pressure from the Catholic Church and anti-abortion groups, the House-approved bill restricts the use of taxpayer funds for abortions, a decision that has sparked a heated debate among pro-choice and pro-life advocacy organizations. In contrast, the Senate’s proposed bill would allow the use of federal funds for abortion in cases of rape and incest, requiring insurers that cover elective abortions to segregate money from Americans who get government subsidies.

CMS Report Indicates Costs Would Rise Under House Bill: According to a report issued by Richard Foster, the chief actuary at the Centers for Medicare and Medicaid (CMS), overall spending on health care would rise as a result of the legislation approved by the House. Specifically, the measure to reduce more than $500 billion from future Medicare spending would sharply reduce benefits for some seniors and may jeopardize access to care for millions of others.

Drug Makers Increase Price, Anticipating Health Reform: The media has reported that the drug industry has been raising prices at its fastest rate in years, in anticipation of the costs associated with health care reform. These costs include the $80 billion in fees over the next decade that the industry agreed to in order to help pay for coverage of the uninsured.On Wednesday, Democrats in Congress asked for two separate investigations of drug industry pricing.

Economists Endorse Health Care Reform Bill: Twenty-three high profile economists from universities and think tanks sent a letter to President Obama on Tuesday to support four important elements of health reform legislation critical to its success: deficit neutrality, an excise tax on high-cost insurance plans, an independent Medicare commission, and delivery system reforms.

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Donate Life

Donate Life California is a nonprofit Organ and Tissue Donor Registry dedicated to saving the lives of thousands of Californians awaiting life-saving transplants.

Officially formed in 2004 after being authorized by the state, California's four federally designated non profit organ procurement organizations (facilitating the donation process across California), are committed to giving every person waiting for a transplant – a second chance at life.

Right now over 21,000 Californians wait for an organ transplant. That’s 21 percent of the more than 100,000 people waiting across our country. Tragically, one third of them will die – waiting.

Prior to 2004, no Registry had existed for those of you who wished to give consent to be an organ and/or tissue donor. Historically, while signing a donor card and placing the pink dot on your license served as an important symbol of your intent, it did not place you on any list or Registry.

Now, Donate Life California allows you to express your commitment to becoming an organ, eye and tissue donor. The Registry guarantees your plans will be carried out when you die.

Since July 1st of 2006, individuals who renew or apply for a driver’s license or ID with the DMV, now have the opportunity to also register their decision to be a donor in the Donate Life California Registry, and the pink “DONOR” dot symbol is pre-printed on the applicant’s driver license or ID card.

You have the power to donate life – sign up today to become an organ and tissue donor. Your generosity can save up to eight lives through organ donation and enhance another 50 through tissue donation.

Donate Life California
1760 Creekside Oaks Drive, Suite 190
Sacramento, CA 95833
866-797-2366
info@donateLIFEcalifornia.org

For all your health, life, and long-term care needs, please visit www.capistranohealthlife.com or call 1-800-899-3534

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Very important reform updates

November 4 2009
As you know, Congress has been working on health care reform, and we have worked to encourage elected leaders in both parties to pursue responsible, sustainable reform that lowers costs and increases access. As this national debate reaches its final stages, Congress needs to hear from individuals who are concerned about the consequences of well-intended, but flawed, reforms.

The proposal released by House leadership last week will have a significant, negative impact on the cost and nature of coverage for health care consumers. We believe it will cause more problems than it will solve. Likewise, the bills approved by the Senate Finance and HELP Committees are also deeply flawed and will exacerbate the cost of health care and health insurance.
A recent industry analysis of the potential financial impact of the legislation on consumers is worrying. While some individual and small-group customers would see lower premiums, the overwhelming majority of those customers will face significantly higher health care costs under the legislation. Additionally, Congress is now poised to create a government-run health plan that will further increase the cost for those individuals who do not want to receive their health insurance via the government.
While we continue to support health care reform, we cannot support efforts that fail to address the cost and quality issues in our health care delivery system and undermine the bipartisan consensus for responsible and sustainable reform.
That is why we are asking you to get involved in the Health Action Network, which provides a fast and easy way for you to take action in the health care reform debate and to ask others to participate as well.
Getting involved is easy. There are several opportunities to make your voice heard, and you know how important it is that as many people as possible engage on this important issue.

If you have not already done so, go to http://www.healthactionnetwork.com/ and sign up to be a part of our grassroots campaign.
Write a letter. Once you register at http://www.healthactionnetwork.com/, you will have the opportunity to send an e-mail to your elected officials.
Make a toll-free phone call to share your views with your federal lawmakers. By calling the Health Action Network advocacy hotline, you can be connected immediately to their offices.
Join the more than 8,600 fans on the Health Action Network’s Facebook page if you have not already become a fan. You can use Facebook to share information about the Health Action Network with your friends, neighbors, and family members.
Alert your network of friends and family through our website and our Facebook page about the need to contact Congress in the coming days.
Please help us show strong support for workable health care reform that lowers costs and is sustainable for future generations

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Pelosi stupidity

Yesterday, 10/29, Speaker Pelosi introduced legislation that will fundamentally alter how Americans manage their personal health care choices. The Pelosi Health Care Plan spent American liberties to purchase House Democratic votes in order to secure a political victory. The resulting legislation has put freedom and American ingenuity under the knife. For the sake of the country, we must kill this bill.

While Pelosi bought votes behind closed doors, Republicans stood ready with an alternative approach that would fix the problems in our system and, most importantly, not put health care choices in the hands of Washington bureaucrats. Congress should focus on what is driving up the costs of health care and how it can insure people who want and need insurance but have been denied coverage, rather than force through a public option that will crowd out private insurance and create a government-run system. Congress should focus on increasing the accessibility, affordability and portability of private health insurance and enact common sense and cost saving reforms such as national medical liability reform, not force a new system upon Americans that we, as a country, cannot afford.
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Health Care Reform in review for last week

Oct. 16, 2009 This Week in Health Care Reform

This week, Senate Finance Committee members voted on the committee’s health care reform bill, and the conversation shifted to how to reconcile the bill with pending legislation from the House.

Senate Negotiations
Senate Finance Committee Passes Bill: On Tuesday, after months of negotiations, the Senate Finance Committee passed its $829 billion health care reform package with a 14-9 vote. One Republican, Sen. Olympia Snowe (R-ME) voted with Democrats on the committee. The proposal would expand coverage to 29 million uninsured Americans while reducing deficits by $81 billion over 10 years. The bill includes insurance market reforms, an individual mandate to purchase coverage that appears reduced when compared with prior versions, an expansion of Medicaid, a cut in future Medicare spending, new fees and taxes on employers, and billions in new fees on health insurance and other sectors of the health care industry. The bill also includes seed funding for state cooperative plans and subsidies for other state coverage programs.

Shortly after the vote, labor unions and large business organizations requested changes to the Finance Committee bill primarily because it omitted a public option . The swift feedback from interest groups underscores the difficult road ahead for Senate Majority Leader Harry Reid (D-NV), who will work to merge the Finance Committee bill with the Senate Health, Education, Labor and Pensions (HELP) bill passed last summer. Unions and lawmakers such as Sens. Chuck Schumer (D-NY) and Jay Rockefeller (D-WV) have criticized the legislation for not including a public option . At the same time, insurance companies, medical device makers and others in the health care industry are voicing strong concerns about the increased premium costs of the proposed legislation.

House Activities
Legislators Look to Reconcile Health Care Measures: House leaders indicated that negotiators have trimmed costs for its proposed health care reform bill to President Barack Obama’s goal of $900 billion, down from $1.2 trillion. Aides said the final bill will include slightly lower subsidies for copayments and deductibles for people who buy coverage through the new insurance exchanges that be would established for those who can’t access affordable employer coverage. A provision preventing doctors who see Medicare patients from having their fees cut was excluded, while a surcharge tax on incomes of individuals ($500,000 or more) and families ($1 million or more) was included. House members will consider including more low income families in Medicaid instead of the insurance exchange market, and adopting tax increases featured in the Senate Finance Committee bill, including a profit tax on health insurers. They have, however, rejected the tax on “Cadillac” plans.

Additional Activities
Insurance Industry Study Indicates Higher Costs: On Sunday, the insurance industry trade association, America’s Health Insurance Plans, released a study indicating that the proposed Finance Committee legislation would raise the price of a typical policy. The study, completed by PricewaterhouseCoopers, projected that family premiums could be $4,000 higher and individual premiums could be $1,500 higher in 2019. The report details that a weak individual mandate, measures preventing insurers from barring people with pre-existing conditions, taxes on high-cost health care plans and new taxes on some health care industry sectors will rapidly raise costs.

On Wednesday, another study conducted by Oliver Wyman Inc. and sponsored by the Blue Cross Blue Shield Association indicated that the proposed legislation would raise premiums 50% for individual and 19% for small group policies. Premium increases would likely be a result of a weak individual insurance mandate over the next five years.

Looking Ahead
Following the Senate Finance Committee vote, health care reform legislation negotiations will continue behind closed doors. Sen. Reid will merge the Senate Finance and the HELP Committee bills. He has indicated that the full Senate will begin debating the merged legislation the week of October 26.

House leaders are expected to vote the first week of November.
Register now with the Health Action Network and join others in our industry who want their opinion heard by lawmakers.
Go to-http://www.healthactionnetwork.com

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Did you know this about the Uninsured health people in California?

Did you know-
In California, there are 6.7 million people without health insurance.
Of the 6.7 million, 3 million(44%) are eligible for FREE & low affordable low cost healthcare. 2 million (29%) make enough to buy, but choose NOT to. 700 thousand are short term uninsured and 1 million are truly uninsurable.

So we are to send the U.S further in debt and to Universal Healthcare that has proven it doesn’t work in Canada, England, and Massachusetts over 1.7 million??
We can’t afford this this now.  Especially when you hear the stimulus bill is not working.  Times are not getting better.  The gov’t should show us they can run Medicaid, Medicare, and SSI first. The price tag they are proposing never ever comes in as forecast. It’s ALWAYS double or triple. The Gov’t does not know how to run a busines. Hell, even the VA hospitals are a MESS!! Come on America and WAKE UP!

National Reform needs to be done no doubt, but not to the radical extent Obama is proposing. Start with this-
★Expand financial guidelines for subsidy
★Guarantee Issue
★Portability(take it job to job)
★Electronic Medical Records
★Transparency of health care costs. Show what each carrier is paying the Dr.
★Eliminate fraud in Medicare and Medicaid
★Tort Reform
★Interstate Commerce

Write your Congressman, Obama, or your Senator and tell him/her you have had it with big Gov’t and get out of the way!!!

Visit www.capistranohealthinsurance for a free health quote.

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What will Obama Health Change Look Like?

You may be curious about how—and when—healthcare reform would affect your insurance. Nothing will be certain unless and until Congress agrees on and approves final legislation, and President Obama signs it into law. Under current proposals most health insurance reforms would not occur until 2013. If you’ve been waiting to apply for new coverage, don’t wait any longer. Capistrano Health Insurance can help you and your family right now and you can cancel at any time.

How Would Health Insurance Reform Affect You?
Individual & Family Health Insurance will not go away
All the reform proposals include the continuation of the kinds of health insurance sold at Capistrano Health Insurance today, including Individual & Family Health Insurance, Short-Term Health Insurance, and Small Business Health Insurance.

Health problems
All of the proposals would prohibit insurance companies from denying coverage based on pre-existing conditions. This means anyone – regardless of their health status – would qualify for coverage.

Coverage may be mandatory
To prevent people from waiting until they get sick before they buy insurance, there could be a requirement that everyone have coverage or pay a penalty for going without.
Health insurance will not be free
Although all the proposals seek ways to lower the overall cost of health care in our country, this does not necessarily mean that health insurance would cost less for everyone. In the event that a more affordable public, non-profit, or private option becomes available in the future, you may cancel any plan purchased through Capistrano Health Insurance, at any time and buy the less expensive option.

These changes will take time
If enacted, this legislation will not be implemented overnight – in fact, most health insurance reforms would not take effect until 2013.

Don’t wait four years for reform to protect your health and financial security. We can help you find and apply for quality, affordable coverage now, with no obligation. To view and compare health plans available in your area, visit www.capistranohealthinsurance.com today.

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latest healthcare news

This Week in Health Care Reform

Lawmakers returned to Washington this week after a heated August recess to continue to negotiate health care reform. Americans remain sharply divided on legislation: In a Gallup Poll released Tuesday, 39% of those polled say they would direct their member of Congress to vote against a health care reform bill this fall, while 37% want their member to vote in favor of a health care reform bill.

President Barack Obama Holds Joint Session on Health Care Reform: On Wednesday,in a televised primetime speech before a joint session of Congress, President Obama sought to build momentum for the health care overhaul by outlining a specific blueprint of what he intends reform legislation to deliver. He made the case for a government-run insurance option, citing it as the best way to foster greater competition in the insurance market. However, he also indicated that a public option is a means to an end and encouraged consideration of other options. He said that his plan would cost around $900 billion over 10 years, but would be deficit neutral.
Register now with the Health Action Network and join others in our industry who want their opinion heard by lawmakers.

Public Plan
House Majority Leader Would Support Reform Legislation Without Public Option: On Tuesday, House Majority Leader Steny Hoyer (D-MD) said that he would support health reform legislation without a public option. “If the public option weren’t in there, I could still support a bill, because I think there’s a lot in there that’s good,” he said. Just hours after Rep. Hoyer’s comment, House Speaker Nancy Pelosi (D-CA) insisted that a public option is essential to reform legislation. In addition, Rep. Mike Ross (D-AR), a Blue Dog congressman, said Tuesday that he could no longer back the government-insurance option.
Senate Negotiations
Senate Finance Committee Chair Unveils Compromise Plan: The “Gang of Six,” a subset of the Senate Finance Committee, met Tuesday to discuss a new proposal from Committee Chairman Max Baucus (D-MT) that reflects the group’s negotiations. The plan calls for non-profit cooperatives and an individual mandate, but does not contain an employer mandate. A new tax on insurance companies would raise about $6 billion a year to help pay for health reform. The plan would also impose annual fees of $4 billion on medical device manufacturers, $2.3 billion on pharmaceutical manufacturers and $750 million on clinical laboratories. On Wednesday, Sen. Baucus indicated that he plans to introduce a bill next week, with or without Republican support.

Additional Activities
President Obama Meets with Leading Democrats: In a private meeting Tuesday, President Obama met with Democratic Congressional leaders to discuss their health care reform strategy. Coming out of the meeting, Speaker Pelosi and Senate Majority Leader Harry Reid (D-NV) commented that they were re-energized and ready to press forward with reform legislation. Speaker Pelosi reiterated that the House would not pass legislation without a public option.

Iowa Senator Will Replace Late HELP Committee Chairman: On Wednesday, a Democrat aide announced that Sen. Tom Harkin (D-IA) will replace the late Sen. Edward Kennedy (D-MA) as chairman of the Health, Education, Labor and Pensions (HELP) Committee, one of two Senate panels focused on health reform. A Senate aide confirmed Tuesday that Sen. Christopher Dodd (D-CT) will not take on the role, and will continue to instead lead the Senate Banking, Housing and Urban Affairs Committee.

Medical Association Endorses Obama-style Health Care Reform: In an open letter to President Obama and members of Congress, the American Medical Association gave its support to presidential health care reform efforts, stating, “On behalf of America’s physicians and their patients, we strongly urge you to reach agreement this year on health system reforms.” The letter, signed by AMA President J. James Rohback, M.D, was posted on the AMA website just before Wednesday’s presidential address to serve as “a shot in the arm” for President Obama as he attempts to salvage health care reform.

Looking Ahead
Sen. Baucus indicated that he plans to “mark up” a bill the week of September 21.

Register now with the Health Action Network and join others who want their opinion heard by lawmakers.  Visit http://www.healthactionnetwork.com/

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What drives up health premiums

A May 2009 report titled “What’s Really Driving the Increase in Health Care Premiums?” addresses the issue. The report, issued by the WellPoint Institute of Health Care Knowledge, compiles research from sources such as PricewaterhouseCoopers, the Robert Wood Johnson Foundation, the Kaiser Family Foundation, the Bureau of Labor Statistics and the Congressional Budget Office. 

According to the report, the “key drivers” of spiraling U.S. health care costs are: 

  • Advances in medical technology and subsequent increases in utilization;
  • Price inflation for medical services that exceeds inflation in other sectors of the economy;
  • Cost-shifting from people who are uninsured and those receiving Medicare and Medicaid to the private sector;
  • High cost of regulatory compliance; and
  • Patient lifestyles, such as smoking, physical inactivity and obesity.

Citing PricewaterhouseCoopers research from 2008, the report found that only three cents of every health care premium dollar is spent on health insurer profit.

According to the Institute’s report, newer medical technologies tend to increase costs because they are generally more expensive than the older technologies they replace. While the availability of more advanced, superior technologies can yield better results for some patients, these technologies and diagnostic tests may be used inappropriately in some situations where existing, older technologies are more effective and accurate.

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More thoughts on healthcare

The small business owner propels the economy. You tax and and bury his ass having to pay for every program(healthcare) the small biz owner says to hell with it. I know as i meet small business owners every day from 1 employee to 500. Some of those owners are Doctors, in which i have yet to meet one who is in favor of this plan. Actually, what business owners have told me is they will charge higher prices to pay for it. There you go. In fact, I met with an owner of a towing company of 26 yrs yesterday and that is what he told me. He said if i have to pay for my 15 employees health insurance, I will have no choice but to raise my prices to pay for it. You take out private enterprise you can kiss America away. In fact, they pay for the majority of Americans who are too lazy to get off their butt and contribute to society. Everybody wants stuff for free and tax the people who propel the boat. That doesn’t work. Every Empire has its day, and I think America has had theirs they way it’s heading.

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Thoughts on our healthcare proposal

Medicaid & Medicare are almost broke. Have the gov’t show us they can run that 1st. If the gov’t were applying for a job and we asked for references, it would be quite hilarious indeed. They should prove they can run that, and then we throw them a little more. The gov’t needs to prove they can run something efficiently for once.
Also, if the Gov’t showed us they could run efficiently Medicare & Medicaid, it would probably fund a revised health care bill. And if I went to England and needed medical care, I would expect to pay for it out of pocket or not get it. Why can’t we do that for people illegally in the country? In fact, if they are illegally in the country, we should put them on a plane or a bus and send them back to their country and have their country’s healthcare handle them. With those 2 things fixed, we could have a great healthcare system in place.
And we don’t need healthcare like Europe or Canada. Most American’s have health insurance and the ones going bankrupt most be the small minority who do not have it or have zero savings. In a catastrophic event like cancer or major injury with many days in the hospital, the average max out of pocket after deductible is approx. $7500. It’s not 50,000 that the press reports. It could be with no insurance, but again that’s the minority. I agree the system needs tweaking, but not Socialized medicine. I have clients who are denied coverage for the craziest of reasons. Do you know if a female has silicone breast implants she will be denied? How about the one who had an amputated leg from Irag and she couldn’t get coverage even though she was 100% healthy. Now they could get coverage on a group plan because that is guaranteed issue. These are the issues that needs to be addressed and these people should get coverage that is afffordable. However, the current proposal is a joke. The gov’t can’t tell us what they are proposing because most have not read the 1000 pages, which is a joke when so much is at stake. If this passes, it will be the greatest American mistake in history. Don’t ramrod this down our throats because the consequences are huge with all the other spending they are doing.
God Bless America

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This week in health reform

This Week in Health Care Reform

The debate over health care intensified this week as House members returned to their districts and the Senate prepared to adjourn for the remainder of August. Many House members held town hall meetings with constituents this week, adding fuel to the health care debate.
House Committee on Energy and Commerce Completes Markup: After weeks of negotiation, the House Energy and Commerce Committee was the last of three House committees to complete work on sweeping health care reform legislation. The committee approved the bill on a vote of 31-28, with all Republicans and five Democrats voting against the bill. The vote clears the way for the legislation to move to the House floor.
Alternative Plans:
Senate Finance Committee Delays Until September: Senate Finance Committee members confirmed that they would not complete a draft bill before the August recess and that negotiations would continue into September. After a meeting with President Obama Tuesday, Senate Finance Committee Chairman Sen. Max Baucus (D-MT) has set a mid-September deadline for completion of a bipartisan bill. President Obama pressured Senate Democrats to move forward with health care reform if a bipartisan bill cannot be reached; he vowed Wednesday to get a reform bill through Congress this year even without Republican support. President Obama will meet with six negotiators from the Committee Thursday at the White House to discuss the bipartisan bill.
Financing the Plan:
Obama Renews Pledge to Not Raise Middle Class Taxes but Remains Open to Taxing Health Insurance: White House officials scrambled to retract statements made by top economic advisors last Sunday, indicating that a tax increase on the middle class is an option to pay for health care reform. However, President Obama remains open to a proposal to tax health insurance.
Additional Activities:
Democrats Criticize Insurance Industry: Democrats increased criticism aimed at the insurance industry, with House Speaker Nancy Pelosi accusing insurers of “immoral” profiteering. America’s Health Insurance Plans President Karen Ignagni quickly fired back , saying the health insurance industry “[does] not deserve to be demonized or vilified as part of a campaign to distract attention away from the sinking support for a government-run program.”

Debate Moves Outside the Capitol: The health care reform debate has moved outside the Beltway, with tactics ranging from town hall meetings and other grassroots efforts to advertising. Groups on both sides of the debate are mobilizing their constituencies to participate in local events and make direct contact with members of Congress in a battle over public opinion.

Administration officials and Democratic members of Congress are in the process of conducting town hall meetings across the country. In recent days, however, meetings in Pennsylvania, Wisconsin and Texas have spurred protests over details of the reform proposals. Democrats are accusing Republicans of organizing “angry mobs,” while Republicans indicate that the protests are signs of opposition.

According to the Campaign Media Analysis Group, more than $52 million has been spent nationwide this year on health care reform-related advertising. But as legislators return home for the August recess and the reform dialogue shifts to outside the Beltway, political groups are also shifting advertising emphasis from national cable news channels to local channels throughout the country.

Public Polls Show Rising Concern: As details of a potential health care overhaul take shape, public opinion polls show declining support. In a New York Times/CBS poll, 69 percent of Americans are concerned their care would suffer if they were on a government-run plan. A Wall Street Journal/NBC News poll reports that 42 percent of those surveyed in July thought Obama’s health care plan was a bad idea, up from 32 percent in June.

Looking Ahead
Senators will adjourn for August recess Friday, with many continuing the health care debate in their home states.

As Democrats work to gain support from the American public, and Republicans continue to voice concerns, the health care messaging battle will continue to heat up.

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Satisfied Customer for health

Hey Darrell! Thanks again for all your great work with the insurance for my folks. They are very happy! And you know what they say……if they are ahppy then I am happy! LOL

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Look what is in the healthcare bill

By INVESTOR’S BUSINESS DAILY | Posted Wednesday, July 15, 2009 4:20 PM PT
Congress: It didn’t take long to run into an “uh-oh” moment when reading the House’s “health care for all Americans” bill. Right there on Page 16 is a provision making individual private medical insurance illegal.
When we first saw the paragraph Tuesday, just after the 1,018-page document was released, we thought we surely must be misreading it. So we sought help from the House Ways and Means Committee.

It turns out we were right: The provision would indeed outlaw individual private coverage. Under the Orwellian header of “Protecting The Choice To Keep Current Coverage,” the “Limitation On New Enrollment” section of the bill clearly states:

“Except as provided in this paragraph, the individual health insurance issuer offering such coverage does not enroll any individual in such coverage if the first effective date of coverage is on or after the first day” of the year the legislation becomes law.

So we can all keep our coverage, just as promised — with, of course, exceptions: Those who currently have private individual coverage won’t be able to change it. Nor will those who leave a company to work for themselves be free to buy individual plans from private carriers.

From the beginning, opponents of the public option plan have warned that if the government gets into the business of offering subsidized health insurance coverage, the private insurance market will wither. Drawn by a public option that will be 30% to 40% cheaper than their current premiums because taxpayers will be funding it, employers will gladly scrap their private plans and go with Washington’s coverage.

The nonpartisan Lewin Group estimated in April that 120 million or more Americans could lose their group coverage at work and end up in such a program. That would leave private carriers with 50 million or fewer customers. This could cause the market to, as Lewin Vice President John Sheils put it, “fizzle out altogether.”

What wasn’t known until now is that the bill itself will kill the market for private individual coverage by not letting any new policies be written after the public option becomes law.

The legislation is also likely to finish off health savings accounts, a goal that Democrats have had for years. They want to crush that alternative because nothing gives individuals more control over their medical care, and the government less, than HSAs.

With HSAs out of the way, a key obstacle to the left’s expansion of the welfare state will be removed.

The public option won’t be an option for many, but rather a mandate for buying government care. A free people should be outraged at this advance of soft tyranny.

Washington does not have the constitutional or moral authority to outlaw private markets in which parties voluntarily participate. It shouldn’t be killing business opportunities, or limiting choices, or legislating major changes in Americans’ lives.

It took just 16 pages of reading to find this naked attempt by the political powers to increase their reach. It’s scary to think how many more breaches of liberty we’ll come across in the final 1,002.

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