A Modicum Of Heathcare Coverage

healthandhumanserviceslogoI smell something rotten and it’s not blowing from Denmark. It’s the stench of tax dollars paying for Healthcare.gov’s nationalized healthcare promotion. You’d think that all hours news media coverage would be enough to promote this latest slide into Socialism, but you would be wrong. At every hour, on every channel, we are coming to know the few who have purchased insurance coverage from the government run “exchanges” that make healthcare affordable to everyday people. People like James, from Pensacola Florida.

I like James. He seems like a nice guy. I’m glad he gets to pursue his dream of playing in his workshop and only has to pay $100 a month for health insurance. Wait, what? a HUNDRED dollars a month? Why, I’m paying much more for insurance and I’m not a diagnosed diabetic. How can this be? Diabetes treatment has to cost more than a hundred dollars a month, right? With blood testing kits, prescribed insulin, regular doctor’s visits, not to mention any other health maintenance HAS to cost more than $100 a month. Of course it does, but the most curious thing James has to say is that he’s always been able to afford health insurance – in the past, but companies would just not cover him. Watch the video to hear his “story”:

He said he could always afford it, so there must have been a premium he could afford in the past. Can he simply not afford it anymore? We don’t get that explanation, just the implication that the evil insurance company wouldn’t even give him insurance, but what remains unanswered is if it was regardless of premium. Perhaps James was recently diagnosed as diabetic, and was then denied coverage. It’s a curious ambiguity, so let’s just move on to some of the other claims such as auto accidents. James says that you could be bankrupted by some random driver on the road if he crashes into you. But in every state of the union you are free to purchase uninsured motorist coverage which covers you in those instances. In some states, catastrophic coverage is also added to the cost of all auto insurance to cover those with bankrupting healthcare injuries. In fact, many health insurance policies won’t even cover you if you get in an auto accident, because the auto policy takes precedence from the bodily injury portion of the auto insurance plan. I suppose the next line of socializing this cost is to nationalize auto insurance, but I digress…

James lives in a nice, suburban neighborhood from the glimpses of his surroundings. He also drives a 2004 Jeep wrangler. Yes, it’s 10 years old, but it undoubtedly has a custom engine package due to the extra gauges on the A-pillar, as well as a custom seat package. This car cost $25,000 10 years ago, but since were stymied with ambiguity and unanswered questions, lets assume he just bought it used, or at least when he could previously afford his own insurance. It’s a nice car, and I’m going to guess the insurance on it costs about as much, or more than his new health insurance package. James also has an Imac. Or is it iMac? Whatever the case, he’s shown surfing the healthcare.org website in what I can only assume is his home. A Mac that costs at least $1200 is affordable to someone who gets new health insurance from Obamacare. He also has a large metal shop with a plethora of expensive tools, anvil, forge, plasma cutter, large compressor, and welding equipment. James is, in my opinion, pretty well-off. Well-off enough to afford his own health insurance – if someone would only agree to cover him.

To be fair, and not pick on James too much, we’re never told how much he actually pays for his new insurance. Perhaps he is one of the overpayers that subsidizes the cost of this new government insurance for all the young, underpayers the system needs to pay for itself. Maybe he’s paying more into the system than he’s taking out. We don’t know because this information is hidden from us, and we are forced to focus on the only information provided which is the purpose for this commercial: That is, the pre-existing condition that has denied James insurance before the existence of Obamacare. The real question is why people are denied coverage because of pre-existing conditions in general. We know the answer is that their associated cost as a patient far outweighs their ability to pay premiums. From this we must assume that the cost of James’ insurance could not possibly be as much as he SHOULD be paying since the insurance company has no knowledge of his pre-existing, diabetic condition. Therefore, James must be an underpayer.

Now watch the rest of these public service announcements and realize that all of these people are underpayers. Stacy is now free to be get her BA and do charity work because she pays a fraction of what her heath insurance is worth. Korby can pursue his artistic, guitar playing dream and pay something insignificant for coverage. Justin can be a bartender and pay $15 a month for coverage. Stefania is now free to create an empanada empire for $98 a month. Ali can now engage in risky, injury prone behavior like rock climbing and league soccer. (It gives him a rush to climb walls wherever they are available) And Mark could start his business because he only pays $78 a month for coverage. How can all these people be underpayers? Who pays for their deficit in the system? I do. You do. All the middle class people who have regular heath insurance and see their premiums go up 5-20% every year.

The same insurance companies are underwriting the plans for these government exchanges, only they’re getting subsidies from the government to do so. The recipients’ “subsidies” for their policies are funneled directly to the insurance companies, and the government is covering the risk of the subscribers. Even disregarding those people, Obamacare requirements such as non-denial for pre-existing conditions in regular policies is increasing the premiums for everyone else in the regular risk pool. That means you and me. Any deficit, will be covered from increasing MY premiums 5-25% every year as my insurance company has been doing for the last 5 years. Wait, yours too? It seems like they must have seen this coming. Skyrocketing medical costs have also been trying to hedge their future earning potential by raising prices. Perhaps they knew this was coming as well. Everyone is going to make money on this deal except people like us, who pay for the amount of coverage we get, without assistance. Government collects the tax – they make money. Show me a bureaucrat who wants to quit his job. Insurance companies get the premiums and don’t have to pay the same rates as I do, so they still make money. Some are non-profit, you say? Show me an insurance executive that doesn’t drive a nicer car than mine, I say.  And the doctors, of course, aren’t going to be dragging ass to the poor house – especially when they can charge $179 for a 7 minute office visit, and $3000 for a cat-scan.  Which bring me back to James who claims to have been denied insurance because of a previous diagnosis.  The Obamacare law has made this illegal.  No insurance company can do this, so his claim MUST be false.  James just cannot afford the premium and is now being subsidized by someone else on a government exchange policy.

These chronic underpayers are subsidized by others’ insurance premiums, like mine, which total over $1000 a month. Next year, it will be over $1250/month. We have to pay for all the unknown costs of people like James who cuts his finger off with a plasma cutter because he went into diabetic ketoacidosis; Ali, who falls off a rock-wall and needs emergency surgery; And Korry, who likes to sit around and write songs about old girlfriends all day. We even get to subsidize Mark’s new business computer by helping pay for his health insurance. I hope all these nice folks are thankful we are allowing them to pursue their dreams and take on risky behavior without having to pay for it. Maybe someday my kids can work hard and pay for their retirement and their nursing home care, too.

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All The Kings Men Can Close The George Washington Bridge

Chris ChristieThe straw that broke my camel’s back regarding the Chris Christie Bridge Scandal happened well after the press conference. It was when ex-mayor Guilliani told Anderson Cooper what an honest guy Christie is.  He then began to describe, in detail, the marks of honesty and the fact that he didn’t act like a person that had knowledge of this political payback. Then dismissed the entire incident as a “prank”, that an aide “misinterpreted”, and that it happens in every administration.

Most of America may be naive enough to believe that this type of scandal is an exception. I, however, understand that it’s the norm, happens every day, in every jurisdiction.  The government actually getting something done to the benefit of the people is the anomaly.   Considering the ease and nonchalant nature of the email communication that commenced this “misinterpreted” payback, I think we can easily assume that this was business as usual in the Christie regime. And considering the draconian nature of Christie’s brand of wielding power, any underling wouldn’t have the balls to carry out such an order unless he had authorization, or be doomed to suffer dire consequences, like any reporter that dared to ask Christie a question he didn’t like. Christie makes it quite clear what he will and won’t put up with every time he opens his mouth. He’s not a man to be misinterpreted, and if you do, he’ll be sure to correct you with overwhelming force of a verbal steamroller.

So, in contrast to Guilianni’s theory that an honest man couldn’t have been dishonest during this lengthy press conference, I’ll have to beg to differ. Christie softened his role as Jersey dictator, and wen’t so far as to paint himself as a victim by mentioning his loss of sleep during this “heartbreaking” ordeal. We’re supposed to believe he “hasn’t reached the anger stage” to be mad about this yet? Really? This is a man who gets angry when the wind blows from NYC to Jersey, before going over Jersey first. He’s also already fired those “responsible”, before there’s even been an official investigation. I’d say the anger train left a long time ago and now he’s just working on distance between him, this problem, and those who were dumb enough to get caught carrying it out. The man who was so quick to defend is awfully quick to take “responsibility”, but will not actually have to “bear” any.

Now, I don’t know Christie personally. I don’t live in New Jersey, either. But what I do know is Christie’s personality type as a egomaniacal tyrant, who runs interviews and press conferences like a Rutgers basketball practice. He’s a person who delights in egregious belittling of any and all opponents at the smallest slight, and prone to bombastic self-promotion at every opportunity. In most cases, he’s just a downright nasty person. Some politicians do not act in this manner, but it’s exactly the behavior that’s given Christie a stage and a name in the public consciousness.  Without this type of draconian personality, he’d be just another nameless face in the crowd, like the mayor on whom he exacted his “prank”.  In fact, I would further surmise that he’s carefully crafted this personality to be precisely what he needs to get elected – in Jersey. God help us all if that’s what people want in a president. And if not, then we’ll know to to blame for all the bad traffic in 2017.

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Tea with Russel Brand


 

While the Tea Party is being branded as racist, Nazi,destroyers of America, the far left continues it’s denial of it’s own dirty little secret:  The nouveau-communists.   They’re the real faction of anti-Americanism, demanding a fundamental altering of our political and economic system with their “call for change”.  We hear on every news program that the “system” is broken. That the government isn’t ‘working’. That the Constitution isn’t relevant to the ‘modern’ world. This BBC Russel Brand interview concisely lays out the problem and the plan for new world domination of the real american capitalist haters. Brand is a rare example of unabashed elocution of communist philosophy and can speak so passionately and convincingly about it, I’m starting to question my own beliefs and hetero-sexuality. We need to trade Piers and Bashir for Brand in the next British Broadcasting draft. Not even Criths Matthews could bash a Tea-Partier for this long without blaming everything on racism.   Hell, even Ed Schultz couldn’t beat his wife for this long of an interview without blaming it on a Republican union basher.  These re-branded leftists, progressives, or 99 percenters’ argument begins with these two central points:

  1.  The planet is being destroyed.
  2. Large economic disparity exists.

Solutions for these problems are:

  1. A Socialist-Egalitarian system based on the massive re-distribution of wealth.
  2. Heavy taxation of corporations and energy companies that are exploiting the environment.

While I don’t agree with his political and economic viewpoint, Brand recognizes that the left political elite are only concerned with placating his faction in exactly the same way they claim Republicans give in to Tea-Party hostage-taking.  This is his only real insight here. Luckily for American Democrats, Obama’s already caved on gay marriage, and they’ve rolled out the first step in universal healthcare, so they may think they’ve bought them off for a few more years.   However, the “cracks” in the GOP base, as widely reported after the debt crisis, pale in comparison to this crevasse in Donkey-town. Democrats don’t want to lose their power to these commie-whackos any more than they want to lose it to the tea-baggers.

Fractured as they may be, Democrats will always have a fundamental advantage because of their underlying philosophy on power.   Republican fringe use their elective power to relinquish central control. Democrat fringe use their elective power to usurp control that has been abandoned.  And, therefore, the law about nature abhorring a vacuum will always prevail.

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Al Gore – Made of Rubber

With the amount of ridiculousness in the political realm as of late, it’s been difficult to distinguish the inane from the insane. The “Shutdown”, “Slow-bamaCare”, and “Default” crises have provided a dizzying valence obfuscating the important world issues such as Benghazi, Syria, and American security abroad. Even Al Gore has has abandoned his cause for a day and joined the Democrat name-calling attack on the racist, Nazi Rightwingers. Pronouncement of  ”domestic terrorism” by Al Gore is the definition of the pot calling the kettle black. Here is his highness warning us of impending economic collapse if the government gets shut down:

“Nice, eh, global economy you got there. It’d be a shame if we had to destroy it. We have a list of demands. If you don’t meet ‘em all by our deadline, we’ll blow up the global economy.” – Al Gore

He is, of course, ‘personifying’ Republicans in this speech to the Center for Effective Public Management, but make no mistake – he has practiced this speech in front of a mirror for years. It’s why it’s delivered with a heartfelt demeanor and even-tempered perfection. Be careful what you implement before wrecking the economy with an economic time bomb has been Al Gore’s master plan for a very long time.  When Al’s environmentalist bomb goes off, we’ll be blown back to the stone age and resort to hunting with sticks.  After he takes control of the global economy, this will, undoubtedly, be part of his coronation as Emperor speech.  It’s just another example of how to identify the current Democrat political tactic: it comes straight out of their mouths at their enemies.

Feel free to listen to the rambling speech in it’s entirety HERE: http://www.c-span.org/Events/Former-Vice-President-Al-Gore-Speaks-at-Brookings-Institution/10737441723-1/.  That is, if you want to lose a valuable hour of your life with no chance of ever getting it back.   Beware that the first 15 minutes is a drawn-out, french kissing of Al Gore’s rear orifice and a serious claim that he should have been one of our Founding Fathers.  Please do not eat a large meal before viewing.  You’ve been warned.

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Krugman in a Nutshell

 

Everything you ever wanted to know about Paul Krugman, an infamous economist, is outlined in his post from last year’s presidential dance.   In his campaign to besmirch Paul Ryan, he declared his disdain for Ayn Rand and her writing- using someone else’s words. The fact that anyone takes this man seriously, or as anything other than a hack, a shill, and a propagandizer for the Socialist Left, is positive proof that emotionally stunted and crippled adults will give a Nobel prize to anyone.

http://krugman.blogs.nytimes.com/2012/04/27/a-is-not-a-it-seems/  :

There are two novels that can change a bookish fourteen-year old’s life: The Lord of the Rings and Atlas Shrugged. One is a childish fantasy that often engenders a lifelong obsession with its unbelievable heroes, leading to an emotionally stunted, socially crippled adulthood, unable to deal with the real world. The other, of course, involves orcs.

 

 

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