Thursday, November 7, 2013

Millions are receiving health insurance cancellations because they can no longer be offered under the Affordable Care Act (ObamaCare).

File:Viejita.jpg
Image Source  :  Wikimedia . Org
Old lady at San Miguel Allende, Guanajuato, Mexico.
Author  :  Tomascastelazo
Many  talking points  have  been  flung  back and fourth about the need for health care  reform and the  disadvantage of the  poor.  No one with a conscience  can  say  that they are  not concerned by the plight of the poor.  More should be done in assistance of those who truly need help.  However,in a system where  the  assistance such as  SNAP and  government housing is rife with abuse and lack of enforcement.
How can anyone in their right mind say  that  government controlled insurance is  a logical alternative?
Now there  are those coldhearted enough to say that the poor are in need because they  are  lazy  or do nothing to raise themselves above their circumstance, without batting an  eyelash.  I  am  not one.  I  understand as any logical human  being , who sees things as  they  are, understand that there  are  those who have  learned to game the system and play  it  well. They  have  made a  good life for themselves. And there  are those who do indeed require  assistance to help them help themselves  out  of  their present   circumstance.
How many  of  us know of individuals who live under  section 8  housing and have brand new cars, wicked stereo systems and get their hair and their nails done every week?
Now before  someone jumps up and insinuates that  I  am  speaking of race or being a racist.  I will say  that  the  people  I speak  of do not fall into any one ethnic background.  They are   white, black and Hispanic,  so  please spare  me the  racist diatribe that  seems to  be  the norm since the Obama campaign for the Presidency began.  I neither conform to  what  fashion dictates nor do I  bend to social trends as I am my  own  person  and do my  best  to see things from an objective  perspective.  I am of Hispanic descent but that does not define me as a human  being. I  am so much  more than  my ethnic background.   Being  of Hispanic  heritage I  find it  extremely amusing to be  accused of being a racist simply  because I voice facts  that do not sit  well with some.   I know the kind of  hatred  and self doubt  that  causes  racism as I have  been a victim of it  many times throughout my life.
Yet  to allow that  hatred  to affect  me is a  choice I do not choose to make.  Their hatred is their own  and  I refuse  to let  it dictate my life.  Nor will I allow someone to  curtail my  right to voice my  opinion  by calling me one.
Now with that  out of  the  way  I will say  this........
Many are  using the poor  as an excuse for this monstrosity.  Yes,  you read  that  right......An Excuse!
If government truly  cared  about the poor   and the poverty  stricken would they  be criminalizing feeding the  hungry?
If  they  cared  about the poor and the poverty  stricken  would they  be  criminalizing the homeless families sleeping in  cars?
It seems to  me the  hypocrisy  has jumped the  rails and has affected many in the mainstream population.  You  see what  you  want to see and carry  the  banner of the  defense of  the poor  like a shield. Spewing the  talking points of those war  mongering  greedy politicians that  claim to  feel a responsibility for the poor. 
Do any of you  even  understand the  consequences of the agenda  you are  undertaking? 
Or in  who's name you are  championing the  rights of the poor while turning a blind eye  to the  closure of services that  assist  these poor on a  daily basis?
How do you  reconcile in that  mind, that  you are  wanting to do a good thing for those in need while supporting the very  same people who take measures that  hurt  those you  purport  to  want to help?
Last  I checked that  was considered giving with one hand while taking  away  with the other.  Not a  good thing to anyone who wants to be  honest with  themselves or anyone  else.
Does anyone understand the  fact that   the  working  middle class has now had a substantial part of it  downgraded to   working  poor?
Does it matter to you ?
We  live  our lives scraping by  as best  we can  .  Trying to feed our  families, pay  or mortgages and our utilities as  best  we can. Sometimes having to make a choice between running  water and electricity.
Have you  ever had to make that  choice or know of someone who has?
I lived  6 months  without  running  water because I did not make enough to pay for all of my  utilities and pay  my  mortgage.  So it was make cuts to items that  I could live without and would not harm my children.
Water  was  the   most  logical  because I had rain  barrels and I learned how to purify  and treat  it for drinking, cooking, bathing, etc , etc.
Have  you   or anyone you  know ever  had to go without food  so that  your  children  could  eat? 
Simply  eating what  the children  left  after  they  were  done with their meals or making due  with  a piece of bread and a glass of water  to  appease the  pain  that  remains  constant in your  gut?
I  have.  For 5  years  I subsisted  on  what  I  could to make sure my  children  had enough to eat.  Making sure  that everything that  I  purchased was  on  sale so I could stretch  out  my  paycheck as  far  as I  possibly  could.
Have  you  ever  dreaded that  time of month where your bills become due because if any  of  them are  a  bit higher than  they were  the  month  before you  might not be able to pay  one?
I have  many  times over  the  last years.
Have  you  ever prayed that you  stay  healthy  and do not get  sick or have  any of your children  get sick because even  a common cold complication would  be too much of  an  expense  for your  already  limited  resources?
I have.  For many  years I lived under constant stress and fear  that one of us  would fall ill and I  would not be  able to  see a  doctor or buy  the medicine necessary, because there simply  was no money for it.
It is  said that  Obamacare  will ensure  that  those of us who cannot afford insurance will have  adequate  care because it will become available.  Have  any of you   who  parrot these lines even  stopped to think who  are  those who will  qualify  and how this will be  paid for?
For those who have  tried to get  assistance but  have  been  turned away  because you  do not qualify  this will not be  news.  However, to t he  rest  of you  that  have  absolutely no idea how this works I  will try to  help  you.
If you  own  a  car chances  are  you do not   qualify for assistance. When they  calculate  your worth that  car  generally  puts  you over the top and you are  out of luck.    If you  happen to   be lucky  enough to live in a city  or state  that has adequate  public  transportation  then  no problem, you  don't need a  car. If you  however, live in  a   state  that  has lousy   public  transportation  and happens to  be like Florida or  Texas (two places  where  I  have  lived) where  the distances are  so  great that  it would  be  impossible to  take public  transportation  that neither  has  adequate  coverage  or timely  schedules. You would probably  be  fired   before your second  week due to tardiness.
And  no getting  up earlier   would not have  been  the  solution all of the time as the schedules are posted  but in  reality  they are  sporadic and cannot be depended upon.  So even  if you are  early and have plenty  of time to spare there is  no transport to get  you there.  Had  I  lived in  NYC  it might have been  different. However, if  we  factor in   the  cost  of living  as opposed to  living  wages and the   constant rising cost  of living.  Perhaps not so different.
I applied for  temporary  assistance and was denied for SNAP and  for medical assistance for my  children.    What  I  did   qualify  for  was a medical assistance program that  would cover any  hospital visit  as long as I  covered the   first  $1600.00. 
Exactly where  was I  going to  come up with  $1600.00 ?
At  that  moment  in time you  either had to be poverty  stricken in the strictest sense or lying about  what  you  had in order  to qualify.
So where does that  leave  us today almost 6 years  after the recession and  the  bank  bailouts?  Many  more  working middle class  have  seen  their lives take a turn for the  worse.  They have lost  jobs  and are  now working   two part  time jobs with  no benefits.  Some have   jobs making a bit more than  minimum wage with benefits who  will see their hours  cut   due to  Obamacare. Because companies just  simply will not absorb the cost so that  they  can provide their employees with  insurance benefits. 
So then  what  happens when they  lose their full time hours and  their benefits?  Will Obamacare  take care of that?  Or will they  just   say  " I am Sorry " and simply  continue on  as they  have until now ?
Oblivious to the  true  plight of the people and interested only  in  their talking points  and  their corporate cronies.  Business  as  usual!
What  happens to  those who could not afford insurance before Obamacare and  the  cutback  of full time to part  time hours?
How  will they  pay  for insurance under these increased price  tags, when they  could  not afford them before?
Adding  insult to  injury Obamacare  was created to ride on the  backs of the young  and  the  healthy so that  their premiums could help supplement  the loss incurred  by the  sick experienced by insurance companies.  And  by those taxes collected  from  those of us who simply  cannot afford to buy  insurance. 
Are you  not understanding  that  the  safety net  is not for us but for the insurance companies so that  they do  not lose revenue?  Have you missed that   sticking point? 
Yes , those who  qualify  for subsidies will have  health  care, but  how many  others will have to pay  for not   being able to afford insurance  because they simply  do  not  qualify  for assistance under the law?
This is  what  you and Obamacare  have  created. Assist a part  of the  population  by   sacrificing the  other.  The one point you are  all missing is  that  those  you are  sacrificing are the ones who pay  taxes,  who have  always paid  taxes and do not live off the  system.  The  same taxes that government programs need to  survive.
How long do you truly  believe  this will survive?
What  happens when people  get  tired of always  giving while the government and entitlement  programs always  take?
What  happens when those people  say   enough is enough  and they  too join the  ranks of the poor unemployed  and poverty  stricken?
Who  will pay for entitlements  then?  The  rich?
LOL, they  have  more   safety nets  than  the  trapeze performers at the  circus. 
Something has  to  give  folks. The system is broken  and on it's last  leg and  working class  tax  band aids will just  not cut it  any  longer.....
*****Now please  bear  in mind  that  this  was some years  back and these stipulations for assistaace  may  have  changed  by  now . However,  I  am  trying to make a point  to help all   those of you who do not  get  it to  at  least  understand   what  is  at  stake and where  we  are  in this mess that you  seem to be  hell bent should take place.*****

~Desert Rose~
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Sticker Shock and Cancellations: Millions More Hammered by ObamaCare

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If you haven’t already received a cancellation notice from your healthcare insurance provider, undoubtedly you know a friend or family member who has already been given the devastating news. Millions of Americans are receiving letters from insurance companies like these featured on MyCancellation.com from BlueCross BlueShield, Humana, Aetna, Health Net, Anthem, Cigna, Coventry, and others informing them that their current health care policies are being cancelled because they can no longer be offered under the Affordable Care Act (ObamaCare). Replacement policies often involve premium increases of 100 percent or more, in addition to to the triple whammy of increased co-pays, higher deductibles, and loss of tax deductions for excessive medical expenses.
Even many of those policies that have not been cancelled technically are de facto cancelled, since premiums, benefits, co-pays, and deductibles have been so drastically altered that they are no longer the same policies, although they may carry the same name.
3.5 Million Cancelled — and Counting
At first, it was only the 19 million or so people in the individual health insurance market that were said to be at risk of losing their existing plans. Associated Press reported on November 4 that “at least 3.5 million Americans have been issued cancellations, but the exact number is unclear. Associated Press checks find that data is unavailable in a half the states.” So the number of cancellations could already be double that, or more, depending on which state totals remain to be tabulated.


Read More Here
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Exclusive: Obama personally apologizes for Americans losing health coverage

In an exclusive interview with NBC's Chuck Todd, President Obama said that he is "sorry" that some Americans are losing their current health insurance plans. "We've got to work hard to make sure that they know we hear them and we are going to do everything we can," he added.
President Obama said Thursday that he is "sorry" that some Americans are losing their current health insurance plans as a result of the Affordable Care Act, despite his promise that no one would have to give up a health plan they liked.
"I am sorry that they are finding themselves in this situation based on assurances they got from me," he told NBC News in an exclusive interview at the White House.
"We've got to work hard to make sure that they know we hear them and we are going to do everything we can to deal with folks who find themselves in a tough position as a consequence of this."
In a wide-ranging interview with NBC's Chuck Todd, President Obama discusses implementation of the Affordable Care Act, rollout of the healthcare website, NSA spying, Iran and keeping Joe Biden as his running mate.
Obama’s comments come 10 days after NBC News’ Lisa Myers reported that the administration has known since the summer of 2010 that millions of Americans could lose their insurance under the law.
Obama has made repeated assurances that “if you like your health plan, you will be able to keep your health plan” with Obamacare.
Consumers who buy insurance on their own — about  five percent of the population — are at risk of being forced off their current policies because their plans have changed and don’t meet the new standards of the Affordable Care Act.
Obama’s statement has been called into question as Americans have begun to receive cancellation notices, effectively forcing them to enroll in a new plan either with their current insurer or through the government exchanges, in many cases at a higher rate.


Read More  and Watch Video Here
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