Wednesday, October 2, 2013

The "Affordable" Healthcare Act.....

Well, the healthcare marketplace thingy is open. And now the lies are beginning to be exposed. Or confirmed. Or re-lied. Or covered up and sugarcoated.

Taxes, fees, and more lies.

Remember back in September 2009 when Mr. Obama said that requiring health insurance (individual mandate) is NOT a tax increase? (http://www.cnn.com/2009/POLITICS/09/20/obama.health.care/)
"For us to say you have to take responsibility to get health insurance is absolutely not a tax increase," Obama said in response to persistent questioning, later adding: "Nobody considers that a tax increase."


Cool. Wait.....

Remember back in June 2012 when the Supreme court said that as a fee or fine (penalty) the individual mandate would be unconstitutional, however it is Constitutional as a tax? (http://www.cnn.com/2012/06/28/politics/supreme-court-health-ruling/index.html)
"It is reasonable to construe what Congress has done as increasing taxes on those who have a certain amount of income, but choose to go without health insurance," Chief Justice John Roberts wrote in the majority opinion. "Such legislation is within Congress's power to tax." He later added: "The federal government does not have the power to order people to buy health insurance. ... The federal government does have the power to impose a tax on those without health insurance."

Now that the healthcare marketplace is available.... guess what? It's not a tax anymore! It's a FEE! A PENATLY! (https://www.healthcare.gov/get-covered-a-1-page-guide-to-the-health-insurance-marketplace/, https://www.healthcare.gov/what-if-someone-doesnt-have-health-coverage-in-2014/)

"If you don’t have coverage in 2014, you’ll have to pay a penalty of $95 per adult, $47.50 per child, or 1% of your income (whichever is higher). The fee increases every year."
So, lets take a look at these "affordable" healthcare plans. By the way, for all you folks who voted for Obama and cheering on the "free health insurance" you thought you were going to get... There's no such thing as free.

What's it gonna cost?

According to the Obamacare site, "The plans are presented in 5 categories: Bronze, Silver, Gold, Platinum, and Catastrophic" (https://www.healthcare.gov/health-plan-information/)

One caveat here. I am not going to be able to give final prices without filling out an application, and I sure as heck am not going to be filling out an application, so these prices may vary. I'm going to show the prices as listed for my state and county (Shelby County in Alabama), and my situation (Family with both parents) As the site says, family size and income affect the final price:
"IMPORTANT NOTE: The prices here don’t reflect the lower costs an applicant may qualify for based on household size and income. Many people who apply will qualify for reduced costs through tax credits that are automatically applied to monthly premiums. These credits will significantly lower the prices shown for a majority of those applying. Final price quotes are available only after someone has completed a Marketplace application."


In my area there are 2 companies listed for healthcare insurance providers. Humana Insurance Company and Blue Cross and Blue Shield of Alabama. Both are offering PPO type plans. These figures are per month and are straight from the https://www.healthcare.gov/how-do-i-choose-marketplace-insurance/ website as of the writing of this post. By the way, this is just the monthly premium, not the copays, coinsurance and deductibles.

Humana Catastrophic: $473.50
Humana Bronze: $622.96
Humana Silver: $706.50
Humana Gold: $805.82
Humana Platinum: $908.50

BCBSAL Blue Protect Catastrophic: $497.94
BCBSAL Blue Saver Bronze: $575.72
BCBSAL Blue Value Silver: $713.56
BCBSAL Blue Saver Silver: $756.90
BCBSAL Blue Value Gold: $923.62
BCBSAL Blue Choice Platinum: $1111.46

Welcome to the world of "Free" healthcare. You can estimate your costs with the Kaiser Family Foundation health insurance costs and savings calculator. (https://www.healthcare.gov/how-can-i-get-an-estimate-of-costs-and-savings-on-marketplace-health-insurance/)

I plugged in my numbers and it says I would pay, for me and my family (taking in account the $1,691 annual tax subsidy they say I would get):

Catastrophic: "With a catastrophic plan, you would pay out-of-pocket for most health services until you reach the annual limit on cost sharing ($12,700 in 2014)."
Bronze: $791.66
Silver: "The plan will pay for 70% of expenses in total for covered benefits, with enrollees responsible for the rest"
Gold: Not listed
Platinum: Not listed

Based on the website , all plans cover "10 essential health benefits"  which include the following:
  • ambulatory patient services
  • emergency services
  • hospitalization
  • maternity and newborn care
  • mental health and substance use disorder services, including behavioral health treatment
  • prescription drugs
  • rehabilitative and habilitative services and devices
  • laboratory services
  • preventive and wellness services and chronic disease management
  • pediatric services, including oral and vision care.

This page shows an example of the difference between plans. Basically the more of a premium you pay, the lower percentage you pay when you actually use healthcare. So, if you have to see a doctor and get medicine, you'll pay a percentage of that cost on top of what you are already paying for the monthly premium. Here's how it shakes out for that:

  • Bronze plan: 40%
  • Silver plan: 30%
  • Gold plan:  20%
  • Platinum plan: 10%

  • So if I'm on a Bronze plan and take my child to the dermatologist for severe acne, and they prescribe Accutane, I can expect to pay my monthly premium of $791.66 PLUS 40% of  doctors charges and medicine costs. Lets just say the doctor is pretty cheap and only charges $100 for the office visit. My part of that is $40. Accutane is a pretty expensive drug and my 40% of about $420 (actual cost when we had to get it for one of my kids) comes to $168. So I've just paid $208 for a doctor visit and 1 month supply of medicine under Obamacare.

    Under my current plan, I pay $439 monthly premium ($352.66 less than Obamacare Bronze), I pay a $30 office visit copay ($10 less than Obamacare Bronze) and $30 for a premium level medication ($130 less than Obamacare). Therefore, under the Affordable Healthcare Act, for one month's premium, 1 doctor office visit, and 1 month supply of medication, I will pay $500.66 MORE than I do now.

    I currently pay $439/month in healthcare insurance. This is expected to rise by as much as 30% next year (if our employer still offers it!) thanks to Obamacare. Affordable? For those of you that voted for Obama and our current set of Democratic congress, when will you pull your heads out of your collective socialist asses?

    Tuesday, October 1, 2013

    Monday, September 30, 2013

    Thursday, April 4, 2013

    The cold war was a good thing, in a way...

    This was supposed to be a Farcebook post, but I got long-winded so I decided to blog it instead. I haven't blogged in a while, so here ya go.
    ___________________________________

    So.... this thing with North Korea.... Normally I would scoff at their threats as the blustering of propaganda-loving maniacs. But that was when we had strong leaders in Washington, not leaders who go around apologizing to our enemies bowing to others as if we’re their subjects, and saying that our Constitution, the very foundation of our country, is outdated and short-sighted. With Obama as President, John Kerry as Secretary of State, Chuck Hagel as Secretary of Defense..... I fear how this is going to turn out. I don't know much about this Thomas Donilon guy that’s the National Security Advisor, but if Obama picked him, it can't be good.

    Hey, all you teens and twenty-somethings, and even those in their thirties... There is a lot more going on out there than The Walking Dead and Duck Dynasty. Take a look at the world you're living in. It's a scary place. Scarier even than zombies. Your apathetic outlook is very possibly about to be shaken to the very core of your being, and you don’t even realize it. You voted in this current administration with a very short-sighted mindset and didn't consider the repercussions of placing an inexperienced socialist at the head of our government. He’s destroying our economy (stop blaming Bush, he hasn’t been there for over 4 years) he’s contributing to the moral erosion of our society, and he’s weak in the eyes of our enemies. And if the President appears weak, America appears weak.
    You haven't been affected much by terrorism. Even 9/11 is a fading, vague memory for most under the age of 25. Most of you haven't been affected by the wars in Afghanistan and Iraq, because you haven't been THERE (thank you to those who have, you are truly heroes!). You've lived in relative peace, and unfortunately that has made America soft and weak. Terrorism has rarely affected us in our homeland and that has made us apathetic. We see the numbers and hear stories about the bad things that have happened in the wars, and we say, "That's terrible!" Then we turn on The Big Bang Theory or the XBox and go about our lives. I'm beginning to think that winning the cold war was a really bad thing. It took away the fear of the Red Menace. A little fear is good in that it keeps you aware and prepared. But, it also has diminished patriotism in the USA. It’s eroded our national pride. But the collapse of the USSR has done far worse things to the world than if they were still one of the top two world powers and we still lived in fear of their nuclear warheads.
    It fostered terrorism. People look at Saudi Arabia, Afghanistan, Iraq and Iran as the terror related countries. And clearly they are. But the many of the states created by the collapse of the USSR are dominantly Muslim. Azerbaijan. Kazakhstan, Kyrgyzstan. Tajikistan. Turkmenistan. Uzbekistan. The Soviet Union was able to, for the most part, keep control over the people of these regions, and over places like North Korea, and even Pakistan to some degree. Now some of these countries have weapons grade uranium and plutonium, and Pakistan has nuclear weapons. Check out this web site for more concerning information regarding post-soviet nuclear issues. http://www.cfr.org/weapons-of-terrorism/loose-nukes/p9549
    Yes, terrorism happened during the time of the USSR. But, mark my words here, terrorism is going to come home sooner than you think. Israel has lived with suicide bombers and gunmen shooting up marketplaces for a long time. I’m shocked it hasn’t happened here much yet. We had Nidal Malik Hasan kill 13 people at Fort Hood in Texas. There’s been numerous other Islamic attacks in the US in the past 40 years. Most of them you’ve never heard of or you’ve forgotten. http://www.thereligionofpeace.com/pages/americanattacks.htm gives a good list. Check out the rest of that site too, it’s interesting.
    I truly hope that the actions and threats coming out of North Korea are propaganda and bluster. But this time it may not be. America appears weak these days, and the North Koreans are desperate and crazy. They may be expecting Obama to cave under the threat of nuclear action, hoping, rather than standing up to them, he’ll just send them money to be quiet for another year or two. That’s probably what he’ll do.
    So, go back to your XBox. Go back to your Game of Thrones. Go scream 'Go Green' and '1%' and all that while you can. But I have a feeling your world is about to change.

    Wednesday, January 30, 2013

    Support my gun control efforts....

    I need you to support my gun control effors. Please click this link to my online store and purchase my products. Together, we can support gun control! Gun Control Store

    Tuesday, December 18, 2012

    The RIGHT to bear arms.

    A strong body makes the mind strong. As to the species of exercises, I advise the gun. While this gives moderate exercise to the body, it gives boldness, enterprise and independence to the mind. Games played with the ball, and others of that nature, are too violent for the body and stamp no character on the mind. Let your gun therefore be your constant companion of your walks.
    --- Thomas Jefferson to Peter Carr, 1785. The Writings of Thomas Jefferson, (Memorial Edition) Lipscomb and Bergh, editors.
    One loves to possess arms, though they hope never to have occasion for them.
    --- Thomas Jefferson to George Washington, 1796. The Writings of Thomas Jefferson, (Memorial Edition) Lipscomb and Bergh, editors.
    We established however some, although not all its [self-government] important principles . The constitutions of most of our States assert, that all power is inherent in the people; that they may exercise it by themselves, in all cases to which they think themselves competent, (as in electing their functionaries executive and legislative, and deciding by a jury of themselves, in all judiciary cases in which any fact is involved,) or they may act by representatives, freely and equally chosen; that it is their right and duty to be at all times armed;
    ---Thomas Jefferson to John Cartwright, 1824. Memorial Edition 16:45, Lipscomb and Bergh, editors.
    No freeman shall ever be debarred the use of arms.
    ---Thomas Jefferson: Draft Virginia Constitution, 1776.

    They that can give up essential liberty to obtain a little temporary safety deserve neither liberty nor safety.
    ---Benjamin Franklin, Historical Review of Pennsylvania, 1759 
    Before a standing army can rule, the people must be disarmed; as they are in almost every kingdom in Europe. The supreme power in America cannot enforce unjust laws by the sword; because the whole body of the people are armed, and constitute a force superior to any band of regular troops that can be, on any pretence, raised in the United States. A military force, at the command of Congress, can execute no laws, but such as the people perceive to be just and constitutional; for they will possess the power, and jealousy will instantly inspire the inclination, to resist the execution of a law which appears to them unjust and oppressive. ---Noah Webster, An Examination of the Leading Principles of the Federal Constitution (Philadelphia 1787).
    The Declaration Of Independence
    Governments are instituted among Men, deriving their just powers from the consent of the governed, That whenever any Form of Government becomes destructive of these ends, it is the Right of the People to alter or to abolish it, and to institute new Government, laying its foundation on such principles and organizing its powers in such form, as to them shall seem most likely to effect their Safety and Happiness.

    Supreme Court Rulings
    In 2008 and 2010, the Supreme Court issued two landmark decisions concerning the Second Amendment. In District of Columbia v. Heller, 554 U.S. 570 (2008), the Court ruled that the Second Amendment protects an individual's right to possess a firearm, unconnected to service in a militia and to use that arm for traditionally lawful purposes, such as self-defense within the home. In McDonald v. Chicago, 561 U.S. 3025 (2010), the Court ruled that the Second Amendment limits state and local governments to the same extent that it limits the federal government.(http://en.wikipedia.org/wiki/Second_Amendment_to_the_United_States_Constitution)

    The Constitution of the United States
    A well regulated Militia, being necessary to the security of a free State, the right of the people to keep and bear Arms, shall not be infringed.

    The Arkansas Constitution
    The citizens of this State shall have the right to keep and bear arms, for their common defense.

    The Alaska Constitution
    A well-regulated militia being necessary to the security of a free state, the right of the people to keep and bear arms shall not be infringed. The individual right to keep and bear arms shall not be denied or infringed by the State or a political subdivision of the State.

    The Arizona Constitution
    The right of the individual citizen to bear arms in defense of himself or the state shall not be impaired, but nothing in this section shall be construed as authorizing individuals or corporations to organize, maintain, or employ an armed body of men.

    The Alabama Constitution
    Every citizen has a right to bear arms in defence of himself and the State.

    The Colorado Constitution
    Right to bear arms. The right of no person to keep and bear arms in defense of his home, person and property, or in aid of the civil power when thereto legally summoned, shall be called in question; but nothing herein contained shall be construed to justify the practice of carrying concealed weapons.

    The California Constitution
    No provision. State laws allow possession and carry of firearms with restrictions.

    The Constitution of Connecticut
    Every citizen has a right to bear arms in defense of himself and the state.

    The Constitution of Delaware
    A person has the right to keep and bear arms for the defense of self, family, home and State, and for hunting and recreational use.

    The Constitution of Florida
    The right of the people to keep and bear arms in defense of themselves and of the lawful authority of the state shall not be infringed, except that the manner of bearing arms may be regulated by law.

    The Constitution of Georgia
    The right of the people to keep and bear arms shall not be infringed, but the General Assembly shall have power to prescribe the manner in which arms may be borne.

    The Constitution of Hawaii
    A well regulated militia being necessary to the security of a free state, the right of the people to keep and bear arms shall not be infringed.

    The Constitution of Idaho
    The people have the right to keep and bear arms, which right shall not be abridged; but this provision shall not prevent the passage of laws to govern the carrying of weapons concealed on the person nor prevent passage of legislation providing minimum sentences for crimes committed while in possession of a firearm, nor prevent the passage of legislation providing penalties for the possession of firearms by a convicted felon, nor prevent the passage of any legislation punishing the use of a firearm.  No law shall impose licensure, registration or special taxation on the ownership or possession of firearms or ammunition.  Nor shall any law permit the confiscation of firearms, except those actually used in the commission of a felony.

    The Constitution of Illinois
    Subject only to the police power, the right of the individual citizen to keep and bear arms shall not be infringed.

    The Constitution of Indiana
    The people shall have a right to bear arms, for the defense of themselves and the State.

    The Constitution of Iowa
    No provision. State laws allow possession and carry of firearms with restrictions.

    The Constitution of Kansas
    The people have the right to bear arms for their defense and security; but standing armies, in time of peace, are dangerous to liberty, and shall not be tolerated, and the military shall be in strict subordination to the civil power.

    The Constitution of Kentucky
    The right to bear arms in defense of themselves and of the State, subject to the power of the General Assembly to enact laws to prevent persons from carrying concealed weapons.

    The Constitution of Louisiana
    The right of each citizen to keep and bear arms shall not be abridged, but this provision shall not prevent the passage of laws to prohibit the carrying of weapons concealed on the person.

    The Constitution of Maine
    Every citizen has a right to keep and bear arms and this right shall never be questioned.

    The Constitution of Maryland
    No provision. State laws allow possession and carry of firearms with restrictions.

    The Constitution of Massachusetts
    The people have a right to keep and to bear arms for the common defence.  And as, in time of peace, armies are dangerous to liberty, they ought not to be maintained without the consent of the legislature; and the military power shall always be held in an exact subordination to the civil authority, and be governed by it.

    The Constitution of Michigan
    Every person has a right to keep and bear arms for the defense of himself and the state.

    The Constitution of Minnesota
    No provision. State laws allow possession and carry of firearms with restrictions.
    The Constitution of Mississippi
    The right of every citizen to keep and bear arms in defense of his home, person, or property, or in aid of the civil power when thereto legally summoned, shall not be called in question, but the legislature may regulate or forbid carrying concealed weapons.

    The Constitution of Missouri
    That the right of every citizen to keep and bear arms in defense of his home, person and property, or when lawfully summoned in aid of the civil power, shall not be questioned; but this shall not justify the wearing of concealed weapons.

    The Constitution of Montana
    The right of any person to keep or bear arms in defense of his own home, person, and property, or in aid of the civil power when thereto legally summoned, shall not be called in question, but nothing herein contained shall be held to permit the carrying of concealed weapons.

    The Constitution of Nebraska
    All persons are by nature free and independent, and have certain inherent and inalienable rights; among these are life, liberty, the pursuit of happiness, and the right to keep and bear arms for security or defense of self, family, home, and others, and for lawful common defense, hunting, recreational use, and all other lawful purposes, and such rights shall not be denied or infringed by the state or any subdivision thereof.

    The Constitution of Nevada
    Every citizen has the right to keep and bear arms for security and defense, for lawful hunting and recreational use and for other lawful purposes.

    The Constitution of New Hampshire
    All persons have the right to keep and bear arms in defense of themselves, their families, their property and the state.

    The Constitution of New Mexico
    No law shall abridge the right of the citizen to keep and bear arms for security and defense, for lawful hunting and recreational use and for other lawful purposes, but nothing herein shall be held to permit the carrying of concealed weapons.  No municipality or county shall regulate, in any way, an incident of the right to keep and bear arms.

    The Constitution of New York
    No provision. State laws allow possession and carry of firearms with restrictions.

    The Constitution of North Carolina
    A well regulated militia being necessary to the security of a free State, the right of the people to keep and bear arms shall not be infringed; and, as standing armies in time of peace are dangerous to liberty, they shall not be maintained, and the military shall be kept under strict subordination to, and governed by, the civil power.  Nothing herein shall justify the practice of carrying concealed weapons, or prevent the General Assembly from enacting penal statutes against that practice.

    The Constitution of North Dakota
    All individuals are by nature equally free and independent and have certain inalienable rights, among which are those of enjoying and defending life and liberty; acquiring, possessing and protecting property and reputation; pursuing and obtaining safety and happiness; and to keep and bear arms for the defense of their person, family, property, and the state, and for lawful hunting, recreational, and other lawful purposes, which shall not be infringed.

    The Constitution of Ohio
    The people have the right to bear arms for their defense and security; but standing armies, in time of peace, are dangerous to liberty, and shall not be kept up; and the military shall be in strict subordination to the civil power.

    The Constitution of Oklahoma
    The right of a citizen to keep and bear arms in defense of his home, person, or property, or in aid of the civil power, when thereunto legally summoned, shall never be prohibited; but nothing herein contained shall prevent the Legislature from regulating the carrying of weapons.

    The Constitution of Oregon
    The people shall have the right to bear arms for the defence of themselves, and the State, but the Military shall be kept in strict subordination to the civil power

    The Constitution of Pennsylvania
    The right of the citizens to bear arms in defence of themselves and the State shall not be questioned.

    The Constitution of Rhode Island
    The right of the people to keep and bear arms shall not be infringed.

    The Constitution of South Carolina
    A well regulated militia being necessary to the security of a free State, the right of the people to keep and bear arms shall not be infringed.  As, in times of peace, armies are dangerous to liberty, they shall not be maintained without the consent of the General Assembly.  The military power of the State shall always be held in subordination to the civil authority and be governed by it.

    The Constitution of South Dakota
    The right of the citizens to bear arms in defense of themselves and the state shall not be denied.

    The Constitution of Tennessee
    That the citizens of this State have a right to keep and to bear arms for their common defense; but the Legislature shall have power, by law, to regulate the wearing of arms with a view to prevent crime.

    The Constitution of Texas
    Every citizen shall have the right to keep and bear arms in the lawful defense of himself or the State; but the Legislature shall have power, by law, to regulate the wearing of arms, with a view to prevent crime.

    The Constitution of Utah
    The individual right of the people to keep and bear arms for security and defense of self, family, others, property, or the state, as well as for other lawful purposes shall not be infringed; but nothing herein shall prevent the legislature from defining the lawful use of arms.

    The Constitution of Vermont
    That the people have a right to bear arms for the defence of themselves and the State -- and as standing armies in time of peace are dangerous to liberty, they ought not to be kept up; and that the military should be kept under strict subordination to and governed by the civil power.

    The Constitution of Virginia
    That a well regulated militia, composed of the body of the people, trained to arms, is the proper, natural, and safe defense of a free state, therefore, the right of the people to keep and bear arms shall not be infringed; that standing armies, in time of peace, should be avoided as dangerous to liberty; and that in all cases the military should be under strict subordination to, and governed by, the civil power.

    The Constitution of Washington
    The right of the individual citizen to bear arms in defense of himself, or the state, shall not be impaired, but nothing in this section shall be construed as authorizing individuals or corporations to organize, maintain or employ an armed body of men.

    The Constitution of West Virginia
    A person has the right to keep and bear arms for the defense of self, family, home and state, and for lawful hunting and recreational use.

    The Constitution of Wisconsin
    The people have the right to keep and bear arms for security, defense, hunting, recreation or any other lawful purpose.

    The Constitution of Wyoming
    The right of citizens to bear arms in defense of themselves and of the state shall not be denied.