Here are all the articles I've written about Washington D.C.. 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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August 11th, 2017

The Truth About Single Payer

Thank you for tuning in and educating yourself about Single Payer!  This is part seven in our series, “Are YOU ready for Single Payer?”

The Insurance Mom wants you to know all sides of the insurance equation and really understand that “FREE MEDICARE FOR ALL” is very misleading and all political spin.   There’s nothing “free” about it.

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

Let’s unpack the potential pitfalls and hidden risks for moving to a Single Payer system, shall we?

  • RATIONING health care will be the new norm.   To repeat… that means you won’t get to go to any old doctor whenever you want.  You’ll likely have to wait a VERY LONG TIME to see a doctor, and even longer to see a specialist.  The CA government will be rationing your care.  You’ll get used to waiting lists before ever getting into the waiting room.  WHA!?
  • RX restricted accessibility for advanced and expensive prescriptions
  • TAXES Boy, will they increase.  For all of us.  In the proposed SB 562, personal income taxes could go up by $9200 for everyone, and increase every year. If CA continues to fight for single payer, it will need you and I to hand over at least $179 BILLION in new state taxes to pay for a health care system run by the State of California.  Remember too… no more Medi-Caid / Medicare.  So we’re counting on the Feds to give CA all that money too… and none of THAT is guaranteed.
  • LOSS OF DOCTORS Doctors who don’t get paid well by a Single Payer system, will probably leave CA… why bother staying?
  • LACK OF ASSISTANCE  And if you need help with your coverage, your only call will be
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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 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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May 11th, 2017

Are AHCA concerns making you sick? Pre-existing conditions and MacArthur and more….

Holy cow, folks!  What a crazy time for health insurance!

Politics aside, The Insurance Mom wants you to be really, totally clear about what’s happening in the wacky world of health insurance.

The first thing most clients ask me these days is about pre-existing conditions.  What if I have an illness before I buy health insurance?  What if my sick child loses coverage?  “What-ifs” all over the place!

All we can do right now is breathe.  We don’t know what’s going to happen with this bill (it’s not a law yet!).  But I did want to shed some light on the latest MacArthur Amendment.

The LA Times did an EXCELLENT article on just this issue here:  http://www.latimes.com/business/lazarus/la-fi-lazarus-gop-healthcare-macarthur-amendment-20170504-story.html

Here are a couple of excellent quotes… but the whole article is awesome.

“And it protects people with pre-existing conditions much as starving people may be welcome at a restaurant, but only if they order the most expensive dishes on the menu.”

“This much is clear: Republican lawmakers have provided a textbook example of how not to enact major legislation.  They’re aiming to radically overhaul the $3-trillion U.S. healthcare system yet have shunned the input of major stakeholders such as medical organizations, hospitals and patient-advocacy groups, which are uniformly against the measure.”

What do YOU think, my lovely peeps?  Do you believe everyone should help pay for the sick?  Did you like the old way of doing things before the ACA?  Do you benefit from Obamacare?  Do you hate Obamacare (aka ACA)?  Tell The Insurance Mom your every little thing!…

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September 25th, 2015

More thoughts on doc shortage problem …

We did this little blog post not long ago that still has me thinking: http://theinsurancemom.com/aca-woes-hospitals-and-docs-feel-it-too/

Alan Katz said something really interesting about the shortage of doctors in the USA.

“The shortage of American doctors is something that predates the ACA. It’s easy to blame the ACA for every ill in America’s health care system. The fact is–the generation of doctors that are retiring is larger than the generation of doctors coming out of medical schools. Meanwhile, there’s an increasing demand for doctors as more Americans become insured (since insured consumers see their doctor more often). The primary care physician crisis began before President Obama was ever elected, and it will continue for a lot of reasons.”

Found this very helpful and insightful.  What are your thoughts?…

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August 7th, 2015

The DOL says Insurance companies are SOL denying certain lady stuff!

On May 11th, The Department of Labor issued a statement clarifying the terms the Affordable Care Act outlined in regards to preventative services covered AND lady visit stuff.  It made sure that these terms are no longer ambiguous.  THAT means insurance companies can’t jump around covering a few things they were denying before this statement was released.  We did a little announcement a few blogs ago, but I also wanted to share this link as it was helpful to a few clients who were confused about BRCA testing and Contraception.  Click to find out more:

http://ubabenefits.hs-sites.com/blog/preventive-service-requirement-faq

 

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July 21st, 2015

Assurant is going WHERE!?

Big news across the nation.  Assurant Health, a big player in health insurance, will be closing up shop at the end of the year.  This means everyone with an individual Assurant plan will need to get a different plan in place for January 1st, 2016.  But my Assurant friends, we can’t do anything for you until Open Enrollment in November.  This is going to be a HUGE change for the face of health insurance next year.  The Insurance Mom will keep you posted on all the latest news and trends.  In the meanwhile, here’s a full article on the Assurant story.http://www.bizjournals.com/milwaukee/news/2015/04/28/milwaukee-based-assurant-health-to-be-sold-or.html?ana=lnk

 

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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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March 19th, 2015

Why we love John Oliver OR How to get a free lunch!

The Insurance Mom is a big fan of “Last Week Tonight” with John Oliver.   I thoroughly enjoyed his expose (which aired on 2/8/15) about the relationship between doctors and pharmaceutical companies.

The gist is this . . . it has been a long-time practice of pharmaceutical companies buying doctors lavish lunches, providing divine holidays, inviting them to be a brand ambassador, speaking at events, and paying the docs handsome sums.   It’s one thing to hand out free samples.  But some of these practices are bordering on bribery, false advertising and in the process, perhaps skewing the doctor’s medical practices towards the companies’ products.   John Oliver wondered why it is that some medical offices advertise a free lunch in their job postings.   Is it possibly because Big Pharma is footing the bill?!

Aren’t you curious about what your doctor is up to?   Here’s the website where you can see what kind of benefits your doctors may be receiving from Big Pharma.  Go to https://openpaymentsdata.cms.gov/ to find out more.…

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