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Posts Tagged ‘youth’

Obamacare website dysfunction is least of our worries, the entire system is missing

In Uncategorized on December 5, 2013 at 6:31 AM

Obamacare website dysfunction is least of our worries, the entire system is missing

12/04/13

Today ex-President Bill Clinton said that when the healthcare website is fixed in the next few months, few will even be talking about Obamacare.

The ease of this coming out of his mouth is remarkable, for I am sure it was nearsighted and biased based on his support for the president, his plan and his party.

Short term and long term future projections of problems are glaring. Let’s look at a few issues facing the facilitation and implementation of Obamacare.

On January 14, unless something drastically happens the employer mandate will go away. 80 million more Americans will lose their healthcare plans with their employer. Your employer can do away with the shared subsidy that has burdened them for years, essentially putting millions back into the company and shifting the burden to the employee, who is forced to purchase a plan from a government exchange at a higher rate. This simple maneuver by big business and supported by the Chamber of Commerce speaks volumes of their self interest in catering to this plan. It fully explains the deafening silence from big business. Small business, so what, they are an after thought in this process and portray themselves as the red headed step child that has been thrown from the supportive teet.

The newly revealed aggregation rule is going to stifle small business and further place a financial burden on those struggling to survive in today’s economy. For instance, if a small business backs down to 45 employees to dodge the forced purchase of healthcare and hires part-time employees but aggregates or accumulated to an equal of 5 FTEs or full time equivalents they meet the 50 employee threshold and will be forced to purchase insurance for all. 

Young adults are running from Obamacare in droves. Mostly this age group coming out from under the 26 year old protection plan of their parents will soon be out on their own facing huge premiums and less care with extremely high deductibles. So much that many will only pay deductible expenses for their healthcare, essentially seeing no benefit from their plan, assuming they choose to participate.

20 percent of young folks say they are likely to sign up for Obamacare. Which means 80 percent are not going to sign up which spells failure. The young are graduating from school with a burdensome student loan debt, starting a family, buying a home and are in relatively good health. They are not going to be inclined to pay premiums that are 200 to 300 percent more expensive than it was a year ago. 

Less numbers means higher premiums! Fewer people in the share pool will only raise premiums and limit choice. Obamacare reporetdly needs 100 million people enrolled and paying high premiums for the plan to work, to start paying for itself. The risk of less is costly and will drive higher premiums with progressively less and less healthcare choice. If young people dont assume the burden and purchase the insurance, it only makes sense that those enrolled shoulder the burden regardless of their age or ability to pay. This is the death spiral we speak of.

The risk pool is thin. Insuring pre-existing conditions and covering all disease types leaves many layers of risk meaning needs will out live the money pool. Many with disabilities and debilitating pre existing conditions will run to Obamacare because they see it as a bargain, which will drain the system inside a thin risk pool. This measure will drive higher cost and result in higher sharing of that cost on you.

States are not even ready for the onslaught. Tennessee for example, elected not to participate in the federal exchange and opted to allow the government to control the state. Two things stand in the way of this happening. Tennessee is not ready to handle the government enforcing Obamacare and TN has no known plan in place to implement the needed demands of Obamacare. We do not even have a website or a process in place to handle the claims. To complement this statement,  we have to date refused to expand Tenncare, an essential component that could contribute to the success of Obamacare, but remains costly.

When you do sign up there is really nothing more contained within than that. You have signed up. Period! There should really be no discussion beyond this point. But I will digress.

Hospitals are not prepared for implementation of Obamacare. No plans are in place to facilitate the movement of patients through a system designed on Obamacare. No plans whatsoever. Hospitals and providers squawk about the plans but no government sponsored “magic” pill has been delivered. Healthcare providers are moving along the same course and acting as if we are in the same system as before. Nothing had changed that is visible. No education to the public, staff or providers within that system being relied upon to enact and enforce this dreadful system. And this system was accepted in 2010.

Accounting software, enforcement guidelines, payment structure, reimbursement, legal challenges, nothing is in place. The healthcare system is not prepared and things are not in place to get it done.

There is no overseeing authority communicating between the local level, state level or federal level. So far, it’s just been said do it but no one is doing anything, or more accurately no one knows what to do.

The idea of redistributing the wealth on a large scale is not enticing to those having to pay for it. The old saying is that under socialism, you eventually run out of other people’s money. You take from the old, give to the young, wealthy to the poor, those who have to those have not. Many Americans are simply sending a message that we will not continue to pay for someone else or will not participate. Not signing up is a strong message that something is awry.

Small business will take a beating! The concept that large corporations will be protected while small business gets the shaft. This goes in the same vein as redistribution of wealth. This coupled with increasing minimum wage will shut down jobs and businesses all over the nation. Can we see what is happening here folks? The president is implementing the Cloward-Piven strategy that he was mentored to implement. Overwhelm the system till she collapses, then rebuild it, with total dependence on the government.

Just wait till the population that does participate begins to see the problems inside the system and realizes the many promises unkept. A backlash and further dis-enrollment surely to follow.

Out of network caregivers are going to inconvenience and baffle many that are wanting to keep their doctor. Many within the area are and will be seeing a Dr perhaps in Nashville or Memphis. Can you imagine going to see your Dr in Nashville, crossing Monteagle Mountain and hitting the traffic to find your out of network provider for a cold or to refill a prescription.

We do not have a subsidy verification system in place. No computer system that links with our government on any level. There is no communication or grids that can be followed, just a phone call remains as the only way to communicate and if you have ever tried to get a procedure approved or a bill payed by phone you know what a headache that is.

Insurance companies are now going to be given subsidies based on an honor system with insurance companies where insurance companies take taxpayer money to provide healthcare and then settle the difference on the backside. Can you imagine with this fluid reimbursement structure the wide variability in reimbursement causing a great fluctuality in payment and fee schedules? 

Patients are showing up at hospitals with the self conceived concept that they will be turned away or asked to go to another hospital for their care because perhaps this particular hospital didn’t cover their care or they were not covered by Obamacare. As we speak some hospitals are starting to turn patients away based on the demands of Obamacare.

The upwards of 20 or more new taxes made to pay for or fund are not palatable to many folks moving forward. Less money in your pocket is never acceptable.

Doctors are not gonna bother with the insurance obstacles, going to cash for service. Completely bypassing the system. It’s already happening.

The end product is Americans are without more of their hard earned dollars and the government is taking it! 

It does not get more simple than this!  

We are being raped of our healthcare and we are being forced to like it or suffer.
 
We think that fixing the website will fix Obamacare, think again!

This is only a distraction. 

It is not the real issue. The “guts” the “nuts and bolts” are missing. The plan has been spoken but nothing else. 

It has been revealed today that Kathleen Sebelius, Secretary of HHS, only met with president Obama one time before the launch of the ACA, ie, Obamacare website. This is somehow not surprising. The whole system is lacking detail. No plan is in place whatsoever!

Obamacare is crumbling, it’s in a death spiral and you are on the receiving end of it.

Contact your elected officials. Your vote and voice is the only one that can change things.

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Healthcare premiums rise 173 percent under Obamacare in TN for young adults

In Uncategorized on September 29, 2013 at 7:55 AM

Healthcare premiums rise 173 percent under Obamacare in TN for young adults

As College age adults are stepping out of the public indoctrination system and into the corporate world to make their mark they are being struck with a 173 percent insurance  premium hike by the Obama regime.

DC will be relying on their income to foot the majority of costs inside the newly implemented healthscare scheme and will undoubtedly see their premiums rise even further in the next few years as cost burdens are shifted to them.

The plan is devious yet ingenious. Think about it. Who typically uses less insurance than others? Right. Young people for the most part with no chronic or pre-existing conditions or revenue consuming health conditions. Pay in with very little withdrawal or drain on the system. That’s the plan.

MSM and assorted news outlets have been reporting that Tennessee youth will only have to pay 119.00 dollars per month under Obamacare, this is less than expected as the memo below eludes too. But not less than they are already paying. Did you catch that? Less than expected!

In TN the average 27 to 30 year old young adult, according to the GAO- Government Accountability Organization and DHHS- Department of Health and Human Services recently reported that in TN the average premium will be 173.6 percent higher next year from their pre Obamacare premiums.

State of TN:

Obamacare monthly premium:
119.00 dollars or 30.00 dollars a week

Pre-Obamacare monthly:
43.50 dollars or 10.80 cent a week

Dollar increase:
75.50 dollars

Percentage increase:
173.56 

Remember, many of these youth will only make a few hundred dollars a week at minimum wage. Many  have elected to not carry health insurance, because they frankly don’t think they will need it, this saving income for their disposal. Now they will be forced to pay relatively higher premiums resulting in a decrease in disposable income. Essentially an additional 20 percent tax placed upon them by our federal government.

Minimum wage workers are facing a drop in employment hours to 29 hours thus keeping their employer from paying their portion of healthcare premiums. This drop in hours will take an ample portion of their income and result in further loss of income.

A young person making minimum wage and 29 hours a week could plan on making:

210 dollars per week before taxes.

168 after taxes at 20 percent

134 dollars after Obamacare healthcare tax, another 20 percent of income lopped off.

Figure in a car payment, rent, dental, life ins, utilities, gas, food and electricity you can see what is going to happen, creeping debt and a negative income to debt ratio, otherwise owing the government more than you make.

Eventually and perhaps already, these young adults will realize that they are nothing more than a slave, a serf, fully dependent on the government to provide all their needs. Socialism is on the horizon and the transition near completion. 

The inundation and shock on our system will leave you working just to pay your debt and at the end of a work week, you reach for a check or cash and you are given a coupon for bread, milk cheese and enough gas to get you back and forth to work. 

All while  living in government occupation pods complete with smart meters, in a downtown high rise, devoid of private property, with a windmill and a solar panel to heat your pod enough to keep you functional and alive to work another day.

Below is an excerpt from a  Memorandum by RNC Research Director Kris Anderson sent out this month explaining the graph in the link below reflecting on the info above and how it was calculated.

“To complete a fair analysis, we looked at two sets of data at RNC Research. First, we took the HHS-released data on the lowest average monthly premium of a bronze plan for a 27-year-old in the various states under the exchanges. We compared those rates against the states’ average premiums for 30-year old nonsmoking males that were included in a July 2013 study from the U.S. Government Accountability Office. We calculated out the difference between the premium rates. In every state, there’s a sizable increase.”

“We do realize there are more things that play into these calculations, but the takeaway is pretty clear: when talking about premiums, ObamaCare is bad news for the average American.”

Below is a breakdown link showing percentage increase in Obamacare premiums per state.

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