The People Are Done Backing Down on Obamacare: A People’s FB Conversation

Pres. Trump is taking back America so fast and furiously, it’s hard to keep up with him. We’ll deal with his firing of FBI Director James Comey presently.  At least the firing has taken the pundits’ minds of the new health care bill.

 

Does anybody EVER ask the American people how they feel about government-sponsored medical care? Does anyone in the federal (or state) government even know any real people.

 

Here’s a conversation about the new health care act from some real-life friends (former co-workers) on Facebook the other day. Miss P is one audacious lady.  She never held back on expressing her opinions and feelings, God bless her!  Here, she leads the FB conversation about the new American Health Care Act of 2017, repealing much of Obama’s Affordable Care Act.

 

The bill passed the House of Representatives and now faces a tighter vote in the Senate, where Liberal Republicans are even less aware of the existence of real Americans than their counterparts in the House. The only people they know are donors and “victims” whom they can exploit.

 

One element of the new bill is the Pre-Existing Conditions clause which, in Obamacare, was eliminated. Insurers could not discriminate against policyholders who had a pre-existing condition.  The debate now is whether pre-existing conditions have returned and what patients are supposed to do about it, especially if they’re older.

 

Miss P. urged everyone to read the bill before commenting upon it. Here is the summary:

American Health Care Act of 2017

TITLE I–ENERGY AND COMMERCE

Subtitle A–Patient Access to Public Health Programs

(Sec. 101) This bill amends the Patient Protection and Affordable Care Act to eliminate funding after FY2018 for the Prevention and Public Health Fund, which provides for investment in prevention and public health programs to improve health and restrain the rate of growth in health care costs. Funds that are unobligated at the end of FY2018 are rescinded.

(Sec. 102) The bill amends the Medicare Access and CHIP Reauthorization Act of 2015 to increase funding for community health centers.

(Sec. 103) For one year, certain federal funds may not be made available to states for payments to certain family planning providers (e.g., Planned Parenthood Federation of America).

Subtitle B–Medicaid Program Enhancement

(Sec. 111) The bill amends title XIX (Medicaid) of the Social Security Act (SSAct) to limit the state option for a participating-provider hospital to preliminarily determine an individual’s Medicaid eligibility for purposes of providing the individual with medical assistance during a presumptive eligibility period. The bill lowers, from 133% to 100% of the official poverty line, the minimum family-income threshold that a state may use to determine the Medicaid eligibility of children between the ages of 6 and 19. In addition, the bill reduces the Federal Medical Assistance Percentage (FMAP) for Medicaid home- and community-based attendant services and supports.

(Sec. 112) Beginning in 2020, the bill eliminates: (1) the enhanced FMAP for Medicaid services furnished to adult enrollees made newly eligible for Medicaid by PPACA; and (2) the expansion of Medicaid, under PPACA, to cover such enrollees. However, a state Medicaid program may continue to provide coverage, with the enhanced FMAP, to such enrollees who were enrolled prior to 2020 and do not subsequently have any break in eligibility exceeding one month. With respect to states that expanded Medicaid under PPACA, current law provides for transitional FMAP increases through 2019. The bill eliminates these increases after 2017, capping the FMAP at the 2017 level. Under current law, any alternative benefit plan offered by a state Medicaid program is required to provide specified essential health benefits. The bill eliminates this requirement beginning in 2020. (“Essential health benefits” include ambulatory patient services, emergency services, hospitalization, maternity and newborn care, mental health and substance use disorder services, prescription drugs, rehabilitative services, laboratory services, preventative and wellness services, and pediatric services.)

(Sec. 113) The bill eliminates Medicaid Disproportionate Share Hospital (DSH) payment reductions: (1) with respect to states that did not implement Medicaid expansion under PPACA, beginning in FY2018; and (2) with respect to other states, beginning in FY2020. (DSH hospitals receive additional payment under Medicaid for treating a large share of low-income patients.)

(Sec. 114) The bill specifies how a state must treat qualified lottery winnings and lump sum income, beginning in 2020, for purposes of determining an individual’s income-based eligibility for a state Medicaid program. Specifically, a state shall include such winnings or income as income received: (1) in the month in which it was received, if the amount is less than $80,000; (2) over a period of two months, if the amount is at least $80,000 but less than $90,000; (3) over a period of three months, if the amount is at least $90,000 but less than $100,000; and (4) over an additional one-month period for each increment of $10,000 received, not to exceed 120 months. An individual whose income exceeds the applicable eligibility threshold due to qualified lump sum income may continue to be eligible for medical assistance to the extent that the state determines that denial of eligibility would cause undue medical or financial hardship. Qualified lump sum income includes: (1) monetary winnings from gambling, and (2) income received as liquid assets from the estate of a deceased individual. In addition, the bill eliminates the requirement for up to three months of retroactive coverage under Medicaid. Under current law, a state Medicaid program must provide coverage for up to three months prior to an individual’s application for benefits if the individual would have been eligible for benefits during that period. The bill eliminates this requirement and instead specifies that coverage begins in the month during which the individual applies for benefits. The bill allows a state to delay or deny an individual’s initial eligibility for Medicaid benefits without providing a reasonable opportunity to submit evidence of a satisfactory immigration status or pending official verification of such status. A state that elects to provide a reasonable period for an individual to provide such evidence may not receive payment for amounts expended on the individual’s medical assistance during that period. In addition, the bill disallows a state from using, for purposes of determining Medicaid eligibility for long-term care assistance, a home equity limit that exceeds the statutory minimum.

(Sec. 115) With respect to states that did not expand Medicaid coverage under PPACA, the bill: (1) with specified limitations, provides for additional federal funding for certain health care services; and (2) through 2022, increases the applicable FMAP. A non-expansion state that subsequently expands Medicaid coverage under PPACA shall become ineligible for this funding.

(Sec. 116) No less frequently than every six months, states must re-determine the eligibility of adult enrollees made newly eligible for Medicaid by PPACA. The bill temporarily increases by 5% the FMAP for expenditures that are attributable to meeting this requirement. In addition, the bill increases the civil penalty for improperly filing certain Medicaid claims related to Medicaid expansion under PPACA.

Subtitle C–Per Capita Allotment For Medical Assistance

(Sec. 121) Under current law, state Medicaid programs are guaranteed federal matching funds for qualifying expenditures. The bill establishes limits on federal funding for state Medicaid programs beginning in FY2020. Specifically, the bill establishes targeted spending caps for each state, using a formula based on the state’s FY2016 medical assistance expenditures in each enrollee category: (1) the elderly, (2) the blind and disabled, (3) children, (4) adults made newly eligible for Medicaid by PPACA, and (5) all other enrollees. With respect to a state that exceeds its targeted spending cap in a given fiscal year, the bill provides for reduced federal funding in the following fiscal year. In addition, the bill: (1) requires additional reporting and auditing of state data on medical assistance expenditures, and (2) temporarily increases the FMAP with respect to certain data reporting expenditures.

Subtitle D–Patient Relief and Health Insurance Market Stability

(Sec. 131) After 2019, the bill eliminates cost-sharing reductions for low-income individuals with certain health insurance.

(Sec. 132) The bill amends the SS Act to establish and make appropriations for the Patient and State Stability Fund to provide funding to states through 2026, including to: provide financial assistance to high-risk individuals so they may enroll in health insurance, stabilize health insurance premiums, promote participation and increase options in the health insurance market, pay providers for services, and provide financial assistance to enrollees to reduce out-of-pocket costs. Funding is allocated to states based on each state’s share of incurred claims and uninsured individuals below the poverty line. To receive funding, states must provide matching funds at a rate that grows from 7% in 2020 to 50% in 2026.

(Sec. 133) Health insurers must increase premiums by 30% for one year for enrollees in the individual or small group market who had a break in coverage of more than 62 days in the previous year.

(Sec. 134) Beginning in 2020, health insurance benefits no longer must conform to actuarial tiers (e.g., silver level benefits).

Note: According to the Society for Human Resource Management (SHRM),

Actuarial value (AV) is a measure of the percentage of expected health care costs a health plan will cover and can be considered a general summary measure of health plan generosity. Section 1302(d)(2) of the Affordable Care Act defines AV relative to coverage of the essential benefits (EHB) for a standard population. AV is generally calculated by computing the ratio of (i) the total expected payments by the plan for essential health benefits (EHB), computed in accordance with the plan’s cost-sharing rules (i.e., deductibles, co-insurance, co-payments, out-of-pocket limits), for a standard population; over (ii) the total costs for the EHB the standard population is expected to incur. For example, a plan with an 80 percent AV would be expected to pay, on average, 80 percent of a standard population’s expected medical expenses for the EHB. The individuals covered by the plan would be expected to pay, on average, the remaining 20 percent of the expected expenses in the form of deductibles, co-payments, and coinsurance.

(Sec. 135) The bill increases the ratio by which health insurance premiums may vary by age, from a three to one ratio to a five to one ratio. This ratio may be preempted by states.

TITLE II–COMMITTEE ON WAYS AND MEANS

Subtitle A–Repeal and Replace of Health-Related Tax Policy

Sections 201-203 of the bill make several modifications to the premium assistance tax credit for a transition period and repeal the credit after 2019. (The credit is currently provided to eligible individuals and families to subsidize the purchase of health insurance plans on an exchange.)

(Sec. 201) This section makes taxpayers liable for the full amount of excess advance payments of the credit. (Under current law, liability for certain low-income households is limited to an applicable dollar amount.)

(Sec. 202) This section modifies the premium assistance tax credit to: make the credit available for catastrophic qualified health plans and plans that are not offered through an exchange, but otherwise meet the requirements for qualified health plans; prohibit the credit from being used for grandfathered or grandmothered health plans; prohibit the credit from being used for health plans that cover abortions (other than abortions necessary to save the life of the mother or abortions with respect to a pregnancy that is the result of an act of rape or incest); and revise the formula used to calculate the credit using a schedule that varies with household income and the age of individuals or family members.

(Sec. 203) This section repeals the premium assistance tax credit for health coverage that begins after December 31, 2019.

(Sec. 204) This section modifies the small employer tax credit for employee health insurance expenses to: (1) prohibit the credit from being used for health plans that include coverage for abortions (other than any abortion necessary to save the life of the mother or any abortion with respect to a pregnancy that is the result of an act of rape or incest) for taxable years beginning after December 31, 2017; and (2) repeal the credit for taxable years beginning after December 31, 2019.

(Sec. 205) This section repeals the penalties for individuals who are not covered by a health plan that provides at least minimum essential coverage (commonly referred to as the individual mandate). The repeal is effective for months beginning after December 31, 2015.

(Sec. 206) This section repeals the penalties for certain large employers who do not offer full-time employees and their dependents minimum essential health coverage under an employer-sponsored health plan (commonly referred to as the employer mandate). The repeal is effective for months beginning after December 31, 2015.

(Sec. 207) This section delays the implementation of the excise tax on high cost employer-sponsored health coverage (commonly referred to as the Cadillac tax) until 2025. (Under current law, the tax goes into effect in 2020.)

(Sec. 208) This section permits tax-favored health savings accounts (HSAs), Archer Medical Savings Accounts (MSAs), health flexible spending arrangements (FSAs), and health reimbursement arrangements to be used to purchase over-the-counter medicine that is not prescribed by a physician.

(Sec. 209) This section repeals the increase in the tax on distributions from HSAs and Archer MSAs that are not used for qualified medical expenses. The bill reduces the tax on HSA distributions from 20% to 10% and reduces the tax for Archer MSA’s from 20% to 15% to return the taxes to the levels that existed prior to the enactment of PPACA.

(Sec. 210) This section repeals the limitation on FSA salary reduction contributions.

(Sec. 211) This section repeals the medical device excise tax for sales in calendar years beginning after December 31, 2017.

(Sec. 212) The provision permits employers who provide Medicare-eligible retirees with qualified prescription drug coverage and receive federal subsidies for prescription drug plans to claim a deduction for the expenses without reducing the deduction by the amount of the subsidy.

(Sec. 213) This section repeals the increase in the income threshold used to determine whether an individual may claim an itemized deduction for unreimbursed medical expenses. The bill allows all taxpayers to claim an itemized deduction for unreimbursed expenses medical expenses that exceed 7.5% (10% under current law) of adjusted gross income.

(Sec. 214) This section repeals the additional Medicare tax that is imposed on certain employees and self-employed individuals with wages or self-employment income above specified thresholds.

(Sec. 215) The section establishes a refundable, advanceable tax credit beginning in 2020 for certain taxpayers who purchase health insurance and who are not eligible for other sources of coverage. The credit applies for health insurance coverage that: is offered in the individual health insurance market within a state or is unsubsidized COBRA continuation coverage; is not a grandfathered or grandmothered plan; substantially all of which is not for excepted benefits providing only limited coverage, such as dental, vision, or long-term care; does not include coverage for abortions (other than any abortion necessary to save the life of the mother or any abortion with respect to a pregnancy that is the result of an act of rape or incest); does not consist of short-term limited duration insurance; and is certified by the state in which the insurance is offered as meeting the requirement of this bill. The bill specifies credit amounts which are based on age and adjusted gross income. It also limits the annual credit amount to $14,000 per family. If the amount paid for the insurance is less than the credit amount, Treasury may deposit the excess into an HSA of the individual or a qualifying family member as designated by the individual. The Department of the Treasury must establish a program not later than January 1, 2020, for making advance payments to providers of eligible health insurance on behalf of individuals eligible for the credit. The bill specifies reporting requirements for health insurance providers who provide eligible health insurance coverage to individuals.

(Sec. 216) This section increases the limits on HSA contributions to match the sum of the annual deductible and out-of-pocket expenses permitted under a high deductible health plan.

(Sec. 217) This section permits both spouses of a married couple who are eligible for HSA catch-up contributions to make the contributions to the same HSA account.

(Sec. 218) This section permits an HSA to be used to pay certain medical expenses that were incurred before the HSA was established. If the HSA is established during the 60-day period beginning on the date that an individual’s coverage under a high deductible health plan begins, the HSA is treated as having been established on the date coverage under the high deductible health plan begins to determine whether an amount paid is used for a qualified medical expense.

Subtitle B–Repeal of Certain Consumer Taxes

(Sec. 221) This section repeals the annual fee on branded prescription pharmaceutical manufacturers and importers.

(Sec. 222) This section repeals the annual fee imposed on certain health insurance providers based on market share.

Subtitle C–Repeal of Tanning Tax

(Sec. 231) This section repeals the 10% excise tax on the price of indoor tanning services.

Subtitle D–Remuneration From Certain Insurers

(Sec. 241) The section repeals a provision that prohibits certain health insurance providers from deducting remuneration paid to an officer, director, or employee in excess of $500,000.

Subtitle E–Repeal of Net Investment Income Tax

(Sec. 251) This section repeals the 3.8% tax on the net investment income of individuals, estates, and trusts with incomes above specified amounts.

The summary does not clarify the problem of pre-existing conditions. Insurance companies feel it’s unfair for a patient with pre-existing conditions to buy a policy and then make immediate claims on it.  They compare it to someone buying an insurance policy on their car after they’ve had an accident (in fact, a driver has to wait 30 days after an accident before they can be insured, I believe).

 

Patients counter that they’ve been paying for their insurance all along, usually through an employer, and that they shouldn’t be penalized if they’ve been laid off from their jobs before retirement age. Auto insurers are no longer permitted to red-line, a practice which used to allow companies to deny coverage to drivers with poor records or who live in high-risk areas for accidents and theft.  That would pretty much mean that everyone living east of the Garden State Parkway would be unable to get coverage.

 

The interesting thing about cars is that historically there’s been no maintenance insurance for cars, although recently some companies have been advertising for such policies. Another new market is pet insurance.  By the way, if you’re a homeowner and you have a pooch, you should know that there are certain breeds insurance companies won’t offer protection for.

 

Human beings are not machines, however. Unlike a car, if a human being begins to rust, you can’t just throw them on the junk heap.  In a more responsible age, human beings recognized this mortal tendency and saved their money.  That was when you actually received interest on your savings; now, you’re penalized by the bank for saving your money in their institution.  Those were also the days when you could count on your job for life.  And Liberals wonder why we long for the Good Ole Days…

 

But here’s Miss P and Facebook Friends on the subject:

 

Miss P: Am I missing something? Keep reading panic posts about how many people are going to die and how many won’t be able to receive treatment if they have a “pre-existing” condition. For instance, poor Cher won’t be able to get her asthma meds. Seriously????  If I can afford to pay for all my OTC meds that were once prescribed and covered, I don’t think asthma is going to bankrupt Cher. Also bothering me is the fact that no one seems to remember life before the almighty life-altering Obamacare. It’s only been 7 years. What did you all do? Lots of people had pre-existing conditions 7 years ago and long before that.  I remember getting EOBs stating denied for pre-existing condition. I did then what I do now, I pay for the doctor’s visit. What about all the people that fell into that category and were denied coverage altogether? The biggest kicker here….it’s not even law. It squeaked by Congress, still has to go through Senate then get signed into law by the president. Funny how no one is complaining about all the other insurance companies assigning risk pools and charging according to what they think is right.  Little Johnny drives like an ass and has 2 DWIs so my car insurance is high. You live in an area prone to flooding, your homeowners is higher. How quickly that’s all forgotten.  Funny how 8 years inflates some people’s sense of entitlement.

 

KD:  I am still confused about pre-existing conditions. Does that mean you choose not to pay for healthcare insurance, then you get ill, then you get insurance and try and claim it? Like putting Collision on your car ins after you crash it

 

LG: While I agree with you regarding the over reactions it, my son and I do not get coverage for our pre-existing condition (asthma). It would be very expensive for us to have to buy our medication without insurance. The inhaler we both take costs $500 each per month. That’s just one medication. Most people cannot afford to do that and pre-existing conditions were covered before Obamacare.

 

KD:  But if you have insurance, how is it pre-existing?

 

LG:  If I lose my job and have to change insurance… someday he will have to get his own insurance….

 

KD: Ahhhhhh, I am sure that will be one of the Kinks that will have to be worked out

 

Miss P: Before Obamacare it was at the insurance companies’ discretion. Obamacare forced the insurance companies to cover pre-existing. My health insurance is off the charts and my premium and deductible is high to compensate for those who need Obamacare. I contribute over $150/mo, my deductible is $2350 and when (IF) I hit that deductible I’m responsible for 20%. That’s fun…know what 20% of surgery is? Took me two years to pay it off. So that’s fair? Last year, I didn’t hit my deductible until December 23 so every doctor appointment with the exception of my annual well-woman was out of pocket. My f*&# mammo wasn’t even 100%. My deductible was only $2,000 last year…only???!!! It needs to be fixed. Competition needs to be brought back and Big Pharmacy needs a kick in the ass. WTF?! Look at the epi pen and a junkie can get a free Narcan shot but a cancer victim gets bankrupted trying to live? I call BS on the whole system.

 

JW: Since Obamacare my deductibles have cost close to $30k. That means I’ve been paying out of pocket for my drugs every year. Why do you think you should have someone else subsidize your meds?

 

Miss P: Hit my deductible December 23; what was the point?

AS: Sense of entitlement?

 

Miss P:  I could name more than a handful who believe it’s their God given right to coast through life without ever contributing or being accountable. It’s sickening.

 

JD: I recommend watching Baseball!  [Ed.: Just don’t sit behind home-base; saw a guy get clobbered once by a flying bat…not pretty]  But seriously, my insurance and deductibles have skyrocketed in the past few years, not feeling it for Obamacare!

 

Miss P: The Cher thing and Warren throwing her 2 cents in pushed my buttons today. Neither one of them ever have to worry about going without. SHUT UP.

JD: Instead of causing unnecessary panic, Schmuck Schumer should be reaching out to negotiate a plan that both sides can back… or better yet, Congress should drop their privileged health insurance and participate with We the People…. it would be fixed very quickly!!

 

Miss P:  EXACTLY!  Maybe then he’d have something legit to cry about!

 

JD: Schmuck Schumer is a photo op in waiting! He needs to work harder and not just cry about everything!! I’m ashamed of his representation for NY.

 

JW: The House didn’t exempt itself.

CP: The surcharges they’re talking about imposing for pre-existing conditions are disgusting. God forbid anyone has the audacity to have asthma, rheumatoid arthritis, or breast cancer. The asshole who chooses to drive drunk and gets surcharged for it for the next 3 years is on him. I’m guessing no one would “choose” to fight breast cancer.

 

Miss P: Senate will never pass it. I’m not saying it’s right but seriously wtf did everyone do before Obamacare? There were plenty of sick people. I had a cancer scare while unemployed and uninsured, did what I did with the surgery, paid it off a little at a time. I’m not saying anyone chooses to be ill but I have a friend whose son has a TBI because she was forced to get insurance for the rest of her family that she can’t afford. They just don’t go to the doctor so her son can continue to receive the care he needs. Sorry but what about those families? She didn’t choose for her son to be in an accident. And for the record I’m not the asshole that chose to drink and drive so why am I paying higher insurance because someone else did and why did I get stuck because the stoned ass kid who didn’t have insurance decided to drive under my truck?

 

JD: They are also making hundreds of millions of $ aside to subsidize for pre-existing conditions. Nancy Pelosi admittedly voted for Obamacare without knowing what was in it…. I think we all need to study the whole plan before beating it down… we should have plenty of time while it sits in the senate!

 

BB: It was just announced on the news.. RIGHT NOW… that we’re all going to die. Each and every one of us is going to eventually be dead.

 

DO: Pre-existing conditions are still covered if you need to change insurance as long as you don’t let your insurance coverage lapse. This is the actual story.  Try not to let the media and celebrities scare you…get all the facts first! Pre-existing conditions ARE covered. It is only in the case where a person lets their insurance LAPSE and then has to renew their insurance that they won’t be covered – BUT THE GOVERNMENT WILL PAY THE DIFFERENCE (see below) – Over $200 Billion is being set aside for that purpose. As long as you stay with one provider, or switch providers without a lapse, you are fine. Furthermore the state has to apply for a waiver to even allow insurance companies to charge at a higher rate for pre-existing conditions. Plus … for those who lapse and fall into the more expensive insurance rate (high-risk pool), the federal government will pay the difference, as stated above. This has all been done this way for a valid reason. People were waiting until they were very sick to purchase insurance – now I ask you, do you think that’s fair to you? Do you think insurance companies can survive that way? And lastly, the Senate will also be working to make this healthcare act even better. So please try to look at the million great aspects of this act instead of twisting the details to bash Trump! For example, Trump has taken out 140,000 regulations – and that’s a fact! Plus no one will have to pay a penalty if they don’t have insurance, like they did with Obamacare!

 

Miss P:  And that D is why I love you. I’m getting really sick of find something wrong with everything just because people don’t like him. There’s some really good stuff out there if people would wait and see rather than like I said earlier jump to the wrong conclusion before anything has even happened.

 

DO: My problem is that Obamacare did NOT help me – it hurt us big time. Cost me over $10k a year that I wasn’t paying for the last 7 plus years that is has been in effect. So why is it ok for me to absorb the cost and do without but now that it just might be my turn to benefit from a revision it isn’t ok?? How come I am not allowed to have a little breathing room in my day to day? At this rate I will be on the government hand out line shortly. Maybe then I will see it a different way, but for now, I work damn hard for my money and I would like to keep a little of it. I don’t think that’s asking too much.

 

Miss P:  Me, too. Hit my deductible 12/23 so that was $2k.  I was I think $23 over…add my $150/mo benefit contribution, $430 for my glasses – mind you just lenses, and over $3500 in dental over my $1500 max. Work minimum 50 hrs a week and that’s a benefit? Kill Obamacare! Need to reevaluate the handout line you mentioned too.

 

DO: Oh wait – I didn’t include dental and eye care!! That was the amount my premiums went up to cover this ObamaNation!!! With a kid in braces and glasses and two adults in contacts and glasses – forget it!!

 

JV: I agree… Let me explain “pre-existing” condition, for those who are scared or just don’t understand…Pre-existing means, if you were diagnosed with the condition when you had no insurance and are now seeking insurance for the condition!! Get it!!!? Just like car insurance with pre-existing damage with no insurance!!! Pre-existing car damage = no coverage!! Homeowners insurance works the save way!!! Get it people? If you have insurance with the current condition and get new insurance, the condition is covered. Don’t let your health insurance lapse, if you do, you may not be covered for the condition.

 

CP: You can get as sarcastic as you want, and I can “get it” all I want, but some of us [Ed. Note: Most of us in this conversation worked for the same company, an ins co.] will be out of work soon. Thus losing our benefits, but thanks for the insurance lesson.

 

Miss P: You forget I was one of them 10 years ago. The great job I got right after they laid me off went belly up in less than 3 years. Was out of work for over 2. No job, no unemployment, no insurance. Dying dad who I ultimately lost which the only good part of being out of work was being able to spend time and take care of him. Stuff happens to all of us. I’m only being bitchy because you went there first. I didn’t choose to be out of work that long and when I finally did get a job it was for a substantial pay cut. My bills and responsibilities didn’t end because my job did. As for the insurance lesson, our good old company told me the uninsured kid was my problem so I pay them for what? They didn’t even pursue it. Dropped that subro in a heartbeat when they found out he was uninsured. So forgive my bitter mean girl. Sick of the system. Read the posted link for a healthcare bill lesson. You jumped to that same wrong conclusion that pushed my buttons to begin with. The whole pre-existing has been grossly blown out of proportion.

 

See post #2 with the link. It’s all explained. I’m done!! Everyone keeps hating on him [Trump]. He’s gonna get a second term. Whole reason he got elected in the first place.

 

JV:  Look, I voted for him. I agree 100% with what he wants and agree with this health insurance bill. I understand people get lapse in coverage for one reason or another, and if it happens you may pay a surcharge. I was just explaining the pre-existing condition clause. It’s in every health insurance policy and are currently covered and the premiums and high deductibles show for it. This bill is a way to defer the cost to the proper people, whether your job went belly up or your company has given you 10 years to find a new job!

 

JP: Yep he certainly is!!!! 👍🏻

 

Miss P: Hey JV, I knew I was losing [job] for what 3 1/2 years? I found a job before that happened. It was the next job that blindsided me but in the long run it all worked out in my favor. As for voting for him I did and I will do it again in 2020. It’s about time we get put first.

 

JV: Totally agreed, girl. I would vote for him again too, in a heart-beat. My 401k has gone up in last 100 days, amazing.

 

Miss P: Last 100 days??? Since the election! He seriously needs to pull the swamp plug. Still too many floaters.

 

JV: True true. Well next year is an ejection year for a lot of senators and congressmen and women… the keep fighting him the more the votes will go against these politicians, just saying 😊

 

Miss P: They’re making complete asses out of themselves. Grow up, work together, and get stuff done. Freaking Pelosi?? What’s up with that? Senility or drunk? Half the time she thinks he’s [Trump] Bush and no one sees a problem there? And now Obama is doing to the French campaign exactly what he and his posse accused Russia of doing to ours. Hmmmm hypocrisy much?

 

JP: Pelosi aka Wax Lady – needs to be moved to Madame Trusaud Museum.

 

LF: Some people before Obama care could not afford health insurance & didn’t have it!! Some people paid $1000 a month out of pocket, but the sad truth is Obamacare is not working for most people who make over $21,000 & have to pay outrageous deductible & the price of the premium keeps​ going up!! America needs a form of one payer!! But the people who own insurance companies & the hospitals​ & pay off our government will do whatever they can to make sure they make billions of dollars off of people being sick!!! People who make money from your illness or health is a conflict of interest!!!

 

Miss P: It may have helped those but it screwed the test of us. No one should’ve been forced to buy insurance they couldn’t afford. My biggest thing this morning was so many people jumping to conclusions and making assumptions about something they couldn’t be more wrong about. Like the man or not, read up about what the actual proposed plan is and people aren’t going to lose coverage because of pre-existing conditions some of which I heard were so ridiculous. People need to direct their energy elsewhere. I don’t care if you don’t like him. Plenty of us have disliked other presidents and have never ever shown such disgust and disrespect. People should be ashamed of themselves.

 

LF: What happens when the insurance companies drop people off? My boyfriend got dropped off of his insurance. They claim he didn’t pay but he did. He proved he did & they still refuse to give him back his insurance!! Now he has pre-existing condition & is screwed!! & Don’t think these insurance companies aren’t dropping people now!! If you wish to take them to court & the judge doesn’t find in your favor, you can get a fine of $250,00!! So the insurance companies are banking on that you will be scared crapless to fight them!!!

 

Miss P: You’re doing the exact thing that set me off this morning, making the exact assumptions that couldn’t be further from the truth. Go to whitehouse.gov and read the actual proposed plan. I posted it earlier. Or you can choose to believe the bullcrap being crammed down your throat by the Media and people who don’t like Trump. Either way, the TRUE proposed plan is posted. Obamacare is not what everyone needs. It tripled my deductible and made getting sick damn near unaffordable and I work too hard and too many hours to get screwed like that. $2350 deductible? Are you kidding me????

 

LF: It’s not bullcrap what I said & the plan the Trump administration put out sucks that simple!! & I don’t have a problem with Trump!! But I have a problem with this crap they want to replace the unaffordable insurance with some more!!! The insurance companies will still charge whatever they want, just like Obamacare. The only difference is you won’t have to buy it!!! What about caps! I read it [the bill] & it sucks. Just my opinion & you are sure entitled to yours especially on your fb page 😍 Peace

 

Miss P:  Have you read the actual plan? Can’t criticize it until you understand it and what the media and liberal left is putting out there is not it. I’m willing to bet you did not log onto the White House website to read the actual proposed plan like the majority of people flipping out about the pre-existing conditions. There are BILLIONS budgeted so people don’t lose their coverage. You might want to take a few minutes to read and digest it, then form an educated opinion afterwards. If you still think the country is better off with Obamacare then so be it, that’s your choice and you’re entitled to it. Just know the facts first. whitehouse.gov Hit the drop down menu, briefing room, then latest news

 

The White House

President Donald J. Trump

whitehouse.gov
Miss P: Just read thru this again, LF.  If your boyfriend was dropped for what the insurance company is claiming is non-payment and can’t get reinsured because of a pre-existing condition then that company is in serious violation of the current insurance laws. The ACA is still in effect. May want to have him check into it. Definitely can’t even begin to blame Trump’s PROPOSED plan; it’s nowhere near a law yet. Sorry to say your boyfriend is another victim of the wonderful Obamacare.

 

LF: I agree Obama care is not working for sure but Trump used to know one-payer was what we need.  Every person knows I’’s what we need right up until the moment they find out who really runs this country & world for that matter!! Just take a good long look at how Obama sold out to Monsanto!! The guy vowed to get rid of the poison & GMO but no!! Not only did he not keep his promise, he let Monsanto not have to label!! Insurance companies, Monsanto, pharmaceuticals & the food industry & bowing is running this world & we the people are screwed

 

DW: Government should have never gotten involved in health insurance. If you want something to get screwed up have, the politicians put their hands in it.

 

PC: I can’t leave UPS as a package handler…it will be 5 years part time…great medical/dental plan, a part-time pension, but it’s extremely hard work.

 

Miss P: Unfortunately, with a full-time job and full medical benefits, being uninsured would be more affordable. Obamacare killed me. In the past three years, my deductible alone has almost tripled. Needless to say unless something catastrophic happens, I won’t reach it.

 

At this point in the conversation, I complimented Miss P for her fortitude in speaking out so knowledgeably on this subject. I could be wrong, but I believe Miss P has “only” a high school diploma.  The last time I actually saw her in person, we were working together in the Word Processing Department as typists.  Yet her Facebook post was far better-informed, interesting, and intelligent than anything I’ve read in the Media.  I wrote to her that the press has grossly misled the public on the American Health Care Act.

 

Miss P: Oh I know and if you took the time to read the whole post all sides included [which I had] you’d see I got ripped a new asshole for that [for defending pre-existing conditions clauses], too. People seem to forget I already walked down that road and at the first mention of a date [for the AHCA].  I started looking. It all comes to choices: don’t play the victim card. I didn’t. Yes my mean girl bitch card is on full display right now. Everyone is entitled to an opinion; that’s what makes our country unique. But lately if you’re on the right, you’re wrong. No one has to agree; just be educated before you pounce. No one is going to lose coverage especially for pre-existing and lord knows I myself have plenty from my knee and back to allergies and now arthritis. Another big one [a lie] – “it’s going to kill people”…just walking across the street kills people. My friend basically just blamed the new not-even-law-yet policy on her boyfriend getting bounced.  Ummm sorry.  We’re still in Obamacare he’ll. Health insurance is a total scam. There is no reason my deductible should’ve almost tripled in 3 years. I am very fortunate [in having found another job]. I work my ass off.  I get stressed to the point I scream and have thrown a thing or two including some not so nice names 😂 at my boss but overall I LOVE my job. Never saw THAT coming. I’m DONE backing down to people.

 

Few politicians bother to read Facebook. They certainly don’t know what real people are saying to one another about issues like health care.  Being invited onto an everyman’s or woman’s Facebook page isn’t on their agenda.  Some politicians, like N.J. Assemblyman Michael Patrick Carroll (NJ Distr. 25 – R) do have Facebook pages.  He posts quite often and opens his page to all sorts of discussions.

 

Of course, we can hardly expect them to read every single constituent’s Facebook page, either. So, the answer is for all of us to sign onto our representatives’ Facebook pages and let them know what we think.

 

Imagine if Miss P had written her discourse on the American Health Care Act 2017 on the Facebook page of one of our Senators or Congressmen? Or even on Donald Trump’s page or Paul Ryan’s?

 

Imagine if we all did it?

 

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Published in: on May 11, 2017 at 4:07 pm  Leave a Comment  

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