Here are all the articles I've written about United States Secretary of Health and Human Services. Enjoy!

August 22nd, 2017

Truth or (do you) Dare?

Thank you for coming back!  This is our final and MOST IMPORTANT segment for our blog series, Are YOU ready for Single Payer?  The whole reason we dove into this topic was because of SB 562, the Healthy California Act.

On 6/23/17, CA Assembly Speaker Anthony Rendon (D-Lakewood) shelved the proposal saying it is “woefully incomplete” and has postponed any further legislative action until 1/18/18.

At the very least, this will give the CA Senate and Assembly time to address some of the serious flaws in SB 562, including the lack of a funding mechanism, zero public accountability and no way to control or manage medical care and costs.

While this bill is off the table for now, it will be sure to zombie.  If it IS resurrected next year, you might not get a chance to vote on this bill.   But YOU will pay for it.

As it was written, SB 562 estimated an annual price tag of $460 BILLION – and that’s just to start.  The current healthcare budget is $60 billion.  That’s QUITE an increase.

  • Proponents don’t really balance the books when it comes to the tax burdens which could be put on all of us. When it costs too much, employers will start the lay-offs… that means you!   And there’ll be no more $$ going into the unemployment trust fund… so you’ll be on your own.
  • SB 562 – like the ACA — doesn’t have any language addressing the cost of getting medical care (which, let’s face it, is already out of control!)

The Insurance Mom is worried about you.  She wants everyone to have easy access to medical care.  The Insurance Mom thinks SB 562 is alarming. Why?  Well, I’ll tell you!

Under this proposed bill, you will be forced to give up whatever …

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July 28th, 2017

What the heck IS single payer?

Thanks for tuning in to The Insurance Mom’s blog on Single Payer.  Last week, we opened the convo by talking about California’s SB 562, aka Healthy California.    Two State senators are proposing a single-payer system.  But let’s unpack what that really means.

Single Payer = “Rationed” Medical Care

ICYMI, the CA Senate advanced a bill to the Senate.   SB 562 – The Health California Act, aka Single Payer (SP).  And then… On Friday, 6/23/17, CA Assembly Speaker Anthony Rendon (D-Lakewood) shelved the proposal saying it is “woefully incomplete” and has postponed any further legislative action until January 2018.

What does single payer mean?    The government will run your health care AND impose higher taxes on all of us.

It will be illegal for a doctor to perform services not included in the state’s Single Payer Plan.

It will be illegal for an insurance company to sell policies which duplicate any services covered under the state’s proposed Single Payer plan.

Single-payer advocates believe, on principle, that health care is best when it is “free to the patient at the point of care.” On the back end, of course, you still pay for it in higher taxes, and in between, the government decides whether or not you should be allowed to have that knee replacement or that mammogram. This is what we call rationing.

“Socialism is fine until you run out of other people’s money.”   — Margaret Thatcher…

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June 30th, 2017

What a difference a week makes! SB 562 Update

Thanks for tuning in for our series on single payer!  What a difference a week makes; big update on SB 562.

On Friday, 6/23/17, CA Assembly Speaker Anthony Rendon (D-Lakewood) shelved the proposal saying it is “woefully incomplete” and has postponed any further legislative action until January 2018.

“If you think health care is expensive now, wait until you use what it costs when it’s free.”  – P.J. O’Rourke

The Insurance Mom’s colleague, Michael Lujan (one of CA’s best-known expert insurance legislative analysts) offers this in his amazing post on LinkedIn:

Single Payer (SP) would:

  • Replace all forms of private and public health insurance in California with a state government-run health system.
  • Would eliminate an estimated half million insurance, health care administration and related jobs, tripling our current unemployment rate. And without payroll contributions going into the system, there will be no money to pay unemployment benefits.
  • Could make California a health care destination for anyone seeking “free healthcare” as neither citizenship, nor permanent residency is required to use the SP system.
  • Requires massive tax increases. The additional 15% payroll tax would make California the highest taxed state in the country.

If enacted, The Healthy California Act (SB 562) would be the largest tax increase in California’s history. The entire state general fund is $183 billion. As proposed, the bill would cost an estimated $400 billion for the initial year and unknown costs for subsequent years. While that may seem like a deal-killer, the bill moved forward to the State Assembly and should not be ignored (when it resurfaces in 2018).

While this bill may be dead in the water, single payer / universal healthcare / socialized medicine / Medicare-for-all have been floating around the brains of the public.  The Insurance Mom wants her kiddies well-informed about …

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June 23rd, 2017

What’s going on with healthcare today!?

Are YOU confused?  We all are!  There are some VERY big things being discussed right now regarding health insurance.   But we read all the articles and boil it down into an easily digestible stew.  Here’s the inside scoop from The Insurance Mom!

While a lot is happening in Washington, there’s even more urgent things happening here at home in CA.

SB 562 — The Healthy California Act — is working its way through Sacramento right now.   You probably won’t get to vote on it.

State Senators Ricardo Lara (D-Bell Gardens) and Sen. Toni Atkins ((D-San Diego) say they know what’s best for their constituents.   They say… “all Californians will have one plan, more choice.”  Huh?  What does that mean??

Welcome to Our Blog Series

The Insurance Mom wants her insurance family to be informed, insured, and inspired to engage in the future of health care.  That’s why I’ve written a blog series about Single Payer Health Care.  Tune in next week for some truly EYE-OPENING info on our insights of these concepts.…

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February 11th, 2016

We made it! Open Enrollment is OVER!

Hello, Insurance Mom family –

 

Phew!

 

Open Enrollment for individual health insurance ended 1/31/16.     The Insurance Mom and her Helper Elves have been very busy taking care of everyone, and now we’ve got more time to talk about insurance-y stuff through our fabulous blog posts.

 

Open Enrollment is the time when anyone can get individual health insurance or make changes to their individual health insurance.

 

From now until January of 2017, you are locked into whatever individual insurance plan you have.   There are only a few exceptions to the rule … called Qualifying Life Events.  Like loss of employer coverage, marriage, divorce, relocation to a new state, etc.

 

Shocked to find that out?  You’re not alone.  Uninsured?   Snap!  The Insurance Mom has a solution for you!   Let’s talk ASAP so you don’t go broke paying for that unexpected (and expensive) medical thing… and it’s always unexpected and expensive!…

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July 7th, 2015

Big changes for Blue Shield 2014 and onwards.

Chad Terhune is a favorite author around this office.  He writes great articles like this one about what’s going on in the health insurance market.  http://www.latimes.com/business/la-fi-blue-shield-audit-20150705-story.html#page=1  In it, he breaks down what happened with a recent audit on Blue Shield’s funds.  Here’s the Mom’s boiled down version.

Blue Shield has been a non-for-profit since 1939.  In recent years, they have had more than $4 billion in surplus.  That’s crazy big!  Big enough that the State of California decided they needed to check up on it.  August 2014, they lost non-for-profit status.  The article breaks down a lot of what practices caused this to happen and views on both sides of the fence.

This will be yet another big change for Californians in next year’s health insurance systems.  Blue Shield is the third-largest in CA.  The Insurance Mom will keep you posted with trends and new info as she gets them.  In the meanwhile, what do YOU think?  Should insurance companies be non-for-profit?  Should Blue Shield?

 …

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June 4th, 2015

Good news for the ladies!!

Hurray!

On 5/11/15, the Department of Health and Human Services (ObamaCare)  told insurance companies they HAVE to give ladies access to  ALL federally approved methods of birth control.  NO EXCEPTIONS!

Women’s groups have been reporting that IUD’s, Plan B, the patch, and the ring have been refused by many insurance companies.  According to the White House, this is breaking the law.

Another positive step in the enforcement of some good bits of the Affordable Care Act.

http://www.ibamag.com/news/white-house-cracks-down-on-insurers-flouting-birth-control-requirements-22455.aspx

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October 10th, 2014

Time to Vote! Pay attention to Prop 45!

As you know, I normally don’t share my political opinions with clients.   However, Proposition 45 is on this November’s ballot and it will have a direct impact on your health insurance… and not in a good way. As your agent, I feel compelled to make you aware of Proposition 45 and why I so strongly oppose this measure.

Proposition 45 will radically alter the choices available to individuals and small businesses purchasing health insurance in California.

Supporters of Proposition 45 want to give one elected politician, the Insurance Commissioner, the power to determine your health plan’s premiums, benefits, networks and even what treatment options it covers.  (The Commissioner can receive millions in campaign contributions from special interests.) They want to create a costly new bureaucracy that duplicates existing regulatory agencies – the costs of which will ultimately be paid by you through higher premiums. They want to set up new rules and regulations that conflict with the new health care reform law.

As your agent, I take my responsibility seriously when I help you navigate California’s health insurance market.  Proposition 45 will make that market more chaotic and more costly – and worst of all it will potentially limit the choices you have as a consumer.

I plan to vote NO on Proposition 45 this November because it will create more problems than it solves.

I hope you will visit www.NoOn45.org to learn more about Proposition 45. While you’re on the website, I hope that you’ll take 30-seconds and sign-up to receive updates from the No on Proposition 45 campaign and join me on protecting your access to quality health insurance and preventing the possibility of rationed health care.

Feel free to email me back if you have any questions but, in the meantime, I hope that you’ll go

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March 7th, 2014

Deadline approaching . . . get on it, kiddies!

Are you aware that the deadline for open enrollment to get health insurance is quickly approaching?  Well then, you’re not alone!

In a recent survey, 55% of Americans are unaware that they won’t be able to apply for health insurance after March 31st (unless after that date, they have a big life change like a new job, loss of coverage, unemployment, marriage, divorce, or babies).

What does that mean for you?  Time to hop to!  If you don’t have health insurance, you need to call your local broker ASAP!

Go here to find a really good broker in your neck of the woods.   Want the most up-to-date information?  Check out this recent article released March 5th for the latest.…

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July 19th, 2010

Uninsured? Uninsurable?

In March of 2010, Congress passed and President Obama signed the Affordable Care Act—the new health law.  The law creates a new program – the Pre-Existing Condition Insurance Plan — to make health coverage available to you if you have been denied health insurance by private insurance companies because of a pre-existing condition.

A couple of weeks ago, the government launched its health insurance website.     Click on the “Understand The New Law” tab to find information about plans and costs which might be available in your state.

If you’ve had no health insurance for at least 6 months, have been declined for health insurance and have a letter from an insurance company to prove it, you may be eligible for the government-run high risk health “insurance.”

However, 29 states, including California, have opted out of the federal government program.   Instead, by September 23rd, California, and other states, will launch their updated Major Risk Plans with new federally mandated benefits and rates.

These high risk plans — both federal and state — will provide coverage through 2014 when all insurance companies in the country will be mandated to offer health insurance to everyone, regardless of your health status.

BUT… between now and 2014, watch out!  If you already have private health insurance, I predict that rates are going to skyrocket.   The insurance companies are going to have to fill the coffers and gird their loins in preparation for 2014, when the bulk of the “stealth” care reform goes into effect.    If insurance companies are forced to sell to everyone, then everyone must buy.  It’s the only way the system can work.

And if you think that buying health insurance through the government’s Exchange network is going to be fun, then think again.  There will be no one to look out …

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