Tag Archives: health insurance

The art of the tantrum: Trump gives do or die ultimatum to House Tea-Publicans for ‘Obamacare’ repeal

Donald Trump has a long history of fabricating his own myths about his ability of negotiating deals.

This political novice has no experience and no skills in legislating, and more importantly, no capital with those whom he is negotiating — he attacks Tea-publicans in Congress as easily as Democrats. He attacks anyone who does not immediately satisfy his petulant demands or dares to disagree with him.

What we have is a 70 year old man with a three year old’s child-like mentality, a man who throws tantrums to get his way, whether it is an early morning Twitter rage, or his latest tantrum: “Let me win or I will take my ball and go home!Trump delivers ultimatum to House Republicans: Pass health-care measure on Friday or he’ll move on:

President Trump delivered an ultimatum to House Republicans on Thursday night: Vote to approve the measure to overhaul the nation’s health-care system on the House floor Friday, or reject it and the president will move on to his other legislative priorities.

The president, through his aides in a closed-door meeting, signaled that the time for negotiations was over with rank-and-file Republicans who were meeting late at night on Capitol Hill to try to find common ground on the embattled package crafted by House Speaker Paul D. Ryan (R-Wis.).

The move was a high-risk gamble for the president and the speaker, who have invested significant political capital in passing legislation that would replace the 2010 Affordable Care Act. For Trump, who campaigned as a skilled negotiator capable of forging a good deal on behalf of Americans, it could either vindicate or undercut one of his signature claims.

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‘Trumpcare’ chaos: GOP doesn’t have the votes to repeal ‘Obamacare,’ no vote today

Tea-Publicans will not meet their artificial deadline of voting to repeal “Obamacare” on the anniversary of President Obama signing the Affordable Care Act into law. Ahhh, poor babies.

The Hill reports, GOP lawmakers leave Trump White House with no deal:

GOP lawmakers leaving the White House after a meeting with President Trump said they have not reached a deal that would allow them to support an ObamaCare repeal-and-replace bill set for a vote Thursday.

Republicans appear short of the 215 votes they’d need to win the tally. The Hill’s Whip List: 32 GOP no votes on ObamaCare repeal plan.

The members streaming out of the White House just after 1 p.m. characterized the meeting positively but showed no signs of a shift toward more favorable ground for the White House.

“Nothing new was agreed upon,” said Rep. Paul Gosar (R-Ariz.)

He added the group will “go back and consider our options.”

House Freedom Caucus Chairman Mark Meadows (R-N.C.) told reporters on Capitol Hill that “there are not enough votes” to pass the bill.

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D-Day for ‘Obamacare’ repeal aka Trumpcare bill in the House

It is decision day (D-Day) in the House.

The radical far-right GOP House Freedom Caucus is making eleventh-hour demands for more draconian measures to the GOP’s “Obamacare” repeal bill aka “Trumpcare 2.0” (soon to be 3.0?) ahead of the vote scheduled for today, only because it is the anniversary of President Obama signing the Affordable Care Act into law. The post-policy nihilists of the GOP only do propaganda, not policy.

The New York Times reports, Key to Health Vote, Hard-Line Conservatives Push New Cuts:

Hard-line conservatives in the House will meet Thursday morning with President Trump to hammer out changes to the House bill to repeal the Affordable Care Act, pressing to eliminate federal requirements that health insurance plans provide a basic set of benefits like maternity care, emergency services and wellness visits.

What the Freedom Caucus wants in the GOP health-care bill, and why it’s not getting it:

The Congressional Budget and Impoundment Control Act of 1974 dictates that not just anything can be passed by the “reconciliation” process; matters that are “extraneous” to the budgetary nature of the bill are excluded.

House leaders, including Speaker Paul D. Ryan (R-Wis.), are insisting that any provisions rolling back the ACA’s essential health benefits are indeed extraneous. And not only are they extraneous, Ryan argued Wednesday, but if the House adds them to the bill, the Senate couldn’t just strip them out — it could no longer consider it as a privileged reconciliation bill needing only a simple, Republican majority to pass.

Translation: the Senate cloture rule requiring 60 votes to end debate and advance to a vote on the bill will apply, and Democrats could comfortably filibuster this bill in the Senate.

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Alleged ‘Boy Genius’ Paul Ryan doesn’t know how insurance works

Wow. This actually happened this week.

The GOP’s alleged boy genius, the “zombie-eyed granny starver from the state of Wisconsin” and Ayn Rand fan boy Paul Ryan, gave an “explainer” explaining his RyanCare TrumpCare repeal of ObamaCare in which he said Obamacare in a ‘death spiral’ because healthy people are forced to pay for sicker people (video).

Even a late-night comic, Jimmy Kimmel, could see the obvious flaw in boy genius’s argument. Jimmy Kimmel Sums Up the Problem with Paul Ryan’s Obamacare Replacement:

Kimmel reserved his most damning comments for House Speaker Paul Ryan, who has been trying to defend his party’s plan. “He said the reason Obamacare doesn’t work is because it makes healthy people pay for the care of sick people,” Kimmel explained. “Isn’t that how all insurance works?

“Imagine trying to buy car insurance,” Kimmel continued. “’Hey, my car is fine. I’m not paying for those people who got in accidents.’ It’s like saying the lottery doesn’t work because only one person hits the jackpot.”

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House Tea-Publicans pass a symbolic anti-abortion bill to save face

After the Tea-Publican House leadership failed to muster a majority among its own members for Rep. Trent Franks’ unconstitutional 20-week ban on abortions, being forced to pull the bill Wednesday night,  they finally settled upon a replacement with a symbolic, but potentially far more damaging bill, HR 7Bill PDF.

Joan McCarter at Daily Kos reports, House Republicans include a tax hike in their latest abortion bill:

Taliban[Tea-Publicans] revived their long-standing effort to codify a ban on federal funding of abortion that even extends to private insurance, and plans sold in Obamacare insurance exchanges. But it’s also a tax-hike on small businesses who provide employees with health insurance that covers abortion.

Under the SHOP exchange, a part of the Affordable Care Act, small businesses receive a tax credit if they include abortion care in their plans. Roughly 87 percent of private plans include abortion services as part of comprehensive coverage, meaning the bulk of small businesses would be hit with a tax hike if the bill, called the No Taxpayer Funding for Abortion Act, were to become law.

As Minority Leader Nancy Pelosi pointed out, House Republicans have shifted their attack from the thousands of women with the 20-week abortion ban to millions of women who would have this legal medical procedure stripped from their private insurance, for which they are paying.

[The bill also includes limitations on federal facilities and employees (e.g., military/veteran hospitals),  and local government funding for the District of Columbia.]

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Shopping the ACA Marketplace: One Small Business’ Route to ‘Affordable’ Healthcare

ACA-paper12-sig-sm72by Pamela Powers Hannley

With full implementation of the  Affordable Care Act (ACA), January 2014 marks the beginning of a new era in health insurance in the US.

For the chronically uninsured and for those with pre-existing conditions, it's been a long and financially perilous wait for all of the ACA benefits to kick in.

For anti-government, conservative ideologues, the three-year waiting period gave them time to mercilessly attack reform that will provide insurance for millions of Americans, spread layers of misinformation about "Obamacare," hold dozens of meaningless repeal votes in the Republican-controlled House of Representatives, and hold the country hostage for 16 days in a multi-million-dollar government shutdown fiasco.

Today, December 23, 2013 is the cut-off date for enrollment in ACA insurance plans which begin January 1, 2014; the final deadline for ACA enrollment is March 31, 2014. Since the beginning of December, I have been shopping the healthcare marketplace on behalf of the ultra-small business that I work for–The American Journal of Medicine. On Friday, I submitted our final paperwork to our insurance broker.

This is the story of one small business' route to "affordable" care.

Our Journey

Our journey began long before the premier of Healthcare.gov, the much-maligned ACA enrollment website, and even before the ACA was signed into law in 2010. At the Journal, we had been unhappy with our health insurance plan through Aetna for years. Like clockwork, the cost went up 10-25% each year, forcing us to rethink coverage multiple times in order to live within our budget.  We also were dissatisfied with the limited number of even more expensive alternative plans offered to us. The Journal's editorial pages have been pushing for Medicare for all for years and broke the stories about medical bankruptcy in 2009 and continued medical bankruptcy under Romneycare in Massachusetts in 2011. Consequently, we were ready for the public option back in 2009; today, we're just glad that the ACA made it through the Republican gauntlet and the Supreme Court. Unlike recent news stories about people and small businesses wanting to keep their existing healthcare plans, we were waiting with baited breath for three years to dump our plan.

The bottomline is that with Obamacare, the Journal — and the emplopyees– will pay less for healthcare insurance. Read about our ACA Marketplace experiences and lessons learned after the jump.

Pub-opt113-sig-sm-72In early November, when the mainstream media was flooding the airways with stories about the "botched" rollout of the ACA website, I started poking around the plans and prices. Although the sheer amount of information on Healthcare.gov was daunting, the website worked fine–until I couldn't create a log-in and an account. Stalled at this juncture, I gave up for a few weeks until President Obama announced at the end of November that the ACA website had been fixed.

Shopping the SHOP

During the first week of December, I started shopping the Small Business Health Options Program (SHOP) in earnest. After entering the basic information– the state and county location of the business and the ages of our three employees– the site generated a massive spreadsheet (pictured above) of information, prices, options, brochure links, and telephone numbers for the 84 plans available for small businesses in Pima County, Arizona.

To sift through the options and prices and discuss them with employees and my boss, I downloaded the data to Microsoft Excel and printed them out. Even though I hid at least 30% of the 75 columns of data before I printed out the spreadsheet, it was four feet long when the legal-sized sheets were taped together. With colored highlighters and a long ruler in hand, I started to comparison shop. Initially, I looked at the basics– office visit cost, specialist cost, and deductible– and then I compared prices for the business, the employees, and the dependents we wanted to add. When a plan looked interesting and affordable, I went back to the computer and clicked on the plan details– co-pays, co-insurance, emergency room visits, urgent care visits, per person and per family deductibes, total-out-pocket cost, drug benefits, and special options like dental and vision add-ons.

After about three full days of intense studying Healthcare.gov, investaging insurance carrier websites, I narrowed it down to three to four HealthNet silver plans. I was about to contact our insurance broker, when she called me with the "good news". Our new Aetna contract was ready to sign for 2014, and of course, there was another price increase. I told her that we had no intention to renew our Aetna contract, that I had been shopping ACA plans, and that I wanted their help to finalize the details and get the employees signed up. Initially, she said that neither Aetna nor her firm were participating in the ACA marketplace. "We would actually have to sit down with each client and go through the website and the options with them." Healthcare.gov suggests that businesses work with insurance brokers or agents, but it is not required. After our conversation, I assumed I was on my own to figure out which plan on my short list was best for us.

What Will It Cost?

In the end, our insurance broker had a change of heart about helping clients with ACA enrollment, and in fact, they were instrumental in assisting in final decision-making and enrollment with HealthNet. In 2013, the Journal paid $1260 per month to cover three employees under our Aetna plan, and an additional $240 per month was paid by one employee to cover his two minor children. Other employees tried to add dependents to the Journal's plan in 2013, but it was cost prohibitive. In fact, to add one 60-year-old spouse the quoted price was $820 per month. (The Journal pays employee costs, but employees must pay the full cost for dependent coverage– a common practice.)

The Journal chose a $30/$50/$2000 Open Access silver plan offered by HealthNet because we wanted to keep the monthly cost down but still provide adequate health insurance. (Silver plans are designed to cover 70% of cost of care.) Bronze plans have the lowest monthly cost but the highest cost to plan members; as the the metals go up in value (bronze to platinum), the cost per month and the overall coverage increases. The HealthNet silver plan has a higher deductible than our old Aetna plan ($750 vs $2000) but other costs vary only slightly (ie, office visit $20 vs $30). Being a basically healthy group– after all we work for a medical journal!– we went for a lower monthly cost of the silver plan. Insurance is basically a bet. Are you betting you'll be healthy or sick in the future? Since we have no smokers, no diabetics, and no morbidly obese employees, we bet on health.

Contrary to news stories that report the dire financial consequences of Obamacare to small businesses, the Journal will save $200 per month under the ACA. There were cheaper silver plans through HealthNet, but those offered a limited number of doctor and hospital choices. For example, for $100 less per month, the Journal could have opted for the cheaper, less comprehensive HealthNet Community Care $30/$50/$2000 silver plan, but all employees would have had to give up their current doctors, would not be able to go to the University of Arizona Medical Center (AKA, UMC) for in-network hospital care, and would not have in-network access to University of Arizona (UA) College of Medicine doctors. For the additional monthly cost, our chosen plan allows employees to keep their doctors and have more choices including access to UMC and UA doctors. (As I said, although we bet on health, but we decided if anyone got really sick in our group, we wanted access to healthcare offered by one of the country's best hospitals— the University of Arizona Medical Center.)

As for dependent coverage, the employee with two little kids will get increased coverage– medical, dental, and vision coverage for the three of them– for the about the same monthly cost. Those of us who couldn't afford to add spouses under Aetna can afford the out-of pocket costs to add them to the 2014 HealthNet plan. Remember the $820 per month Aetna quote to add one spouse in 2013? That person costs $500 per month under the HealthNet silver plan– a $320/month savings. In fact, for approximately $1000 per month, two spouses and one college student were added to the Journal's plan.

Lessons Learned

1) The sheer amount of information and plans available to businesses in Pima County, Arizona was daunting. In the end, using an insurance broker helped sort out plan details, compare prices, and cut through some of the red tape with the final sign-up of employees. (According to the ACA website, the insurance companies pay the brokers– not the small businesses.)

2) The ACA website worked perfectly after the November fixes. In fact, the ACA website has tons of valuable, easy-to-read information about the Affordable Care Act and options. Compared to insurance company website, the ACA website was better organized and easier to understand.

3) It was easier to reach the ACA help desk on the phone than it was to reach a real person at any of the insurance companies I called. In fact, I never reached a real person at an insurance company, but on a Sunday, I chatted online with an ACA rep.

4) The Journal and the employees saved money by shopping the ACA Marketplace. Yes, we have a different type of insurance plan, but we believe that it will suit our needs. Small businesses that are concerned about costs can choose even cheaper plans than the one we chose and offer a valuable benefit to their employees.

In the end, the Journal had a plethora of plan choices and price ranges to choose from at HealthCare.gov and ended up saving money on its monthly cost. The employees saved money on medical coverage, added dental and vision coverage, kept our own doctors, added affordable coverage for previously uninsured or underinsured dependents, and have in-network access to one of the best hospitals in the country. What could be better? Medicare for all.