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Tag Archives: Insurance

Happy New Year, Folks

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It’s been a couple of weeks since I wrote anything, mainly because with the holidays, I’ve just been too darn busy to sit down and think straight.

So, in the spirit of the new year, I figured I’d pop over to some of the mainstream news sites (CNN, MSNBC and Fox News) and see what’s going on in the world that’s important enough to gain its own headline.

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Okay, I May Have Been Wrong. You Might Be Able To Keep Your Insurance

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Recently, President Obama apologized for the whole “You can keep your insurance” debacle. In my article here, I said that he should do something about it, and I’d be willing to guess that the majority of Americans agree with me.

Well, if the move Obama now wants to go with is allowed to go through, then he’s done something about it; and I have to say, I like it.

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No, You Can’t Keep Your Insurance

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No, you probably can’t keep your insurance. Know why? Because insurance companies are greedy.

The first time Obama said you can keep your insurance plan was in 2009. And at the time, he was right. Then the Department of Health and Human Services (the Secretary of which is Kathleen Sebelius, former Kansas Insurance Commissioner, appointed by Obama*) changed the provision. They wrote regulations that narrowed that provision, by saying that if any part of a policy was significantly changed since that date — the deductible, co-pay, or benefits, for example — the policy would not be grandfathered.

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A 60% Discount and the Fundamental Problems It Represents

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My wife had to get some blood work done last week. It was just a standard part of her visit to the doctor. Normal stuff.

Before she went to the hospital to get the blood work done, she asked what kind of discount she could get if she paid the bill in cash, all up front.

Well, we were delighted to discover that paying in cash got us a 60% discount on the bill.

That’s great, right? 60% savings! That’s over half off!

Or is it?  Read the rest of this entry

Republicans Think Americans Will Eventually Embrace Obamacare

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Now, before you start screaming at me because of the title, we need to acknowledge an uncomfortable truth about politics:

The primary goal of political parties is to gain control of the government.

Democrats want it and Republicans want it.

They want control of the House of Representatives, they want control of the Senate, they want control of the Presidency, and they want control of the Supreme Court.

Republicans want to be the majority in the legislative branch (Congress), the executive branch (the Presidency), and the judicial branch (the Supreme Court).

Democrats want to be the majority in the legislative branch (Congress), the executive branch (the Presidency), and the judicial branch (the Supreme Court).

99% of the actions they take are actions that they believe will help them win the next election.

You know it and I know it.

Okay. Now that that’s out of the way… Read the rest of this entry

Why We – Specifically, I – Need The ACA

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A few years ago, my wife and I fell into an opportunity that we couldn’t pass up. We got a chance at the dream that many Americans have: We got the chance to start our own business. Now, it’s not a huge business. It’s definitely a small business. We rarely have more than three employees – and that’s including my wife and myself – at any given time.

When we first started this business, we thought we’d found the end of the rainbow. We live pretty far back in the sticks, so a drive to any “real” job would take at least 45 minutes one way. And it’s not 45 highway minutes – this is 45 mountain minutes (which means that if you get behind a coal truck, you’re going to be late).

We didn’t get rich then, and we’re still not rich. You’d be hard pressed to even say we’re comfortable. We still live paycheck to paycheck like most people. We don’t eat in fancy restaurants or have steak for dinner every night. We don’t have fancy cars. Hell, my truck is old enough to buy alcohol legally. But we were okay. We could pay the bills enough to keep the lights on and the water running.

We had both been out of work for a while, so we didn’t have any insurance. Her last job hadn’t offered it at all, and while mine had, who can afford COBRA? Certainly not us, and it had been more than 18 months anyway, so that wasn’t an option. We started looking into it, got some quotes.

In early January a girl happened to come by the house. She was working for such-and-such insurance company. I don’t remember the name, and it really isn’t important. She showed us a good policy for health and life insurance that would take care of both my wife and I if one or the other happened to fall ill and, God forbid, pass away.

We loved it. It was exactly what we were looking for. And even more so, it was within our budget. We would finally be able to go to the doctor when one of us got a sinus infection or some other kind of ailment. Our insurance would start on February 1st, and we’d be covered.

On January 28th, I had my first heart attack.

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I think some folks are confused about the meaning of the word “compromise.”

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Liberty ClosedI’ve liked to draw for as long as I can remember. I drew my first masterpiece when I was seven years old. It was a picture of a cowboy. The detail was amazing (for a seven year old). I was extremely proud of my cowboy drawing.

When I finished the picture, my brother – who was 11 at the time – grabbed it and held it just out of my reach. Read the rest of this entry

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