Tag Archives: health insurance

Obamacare – my journey so far with the ACA, health, and the healthcare industrial complex

Oh but where are we headed? It looks dark.

Oh but where are we headed? It looks dark. I hope not.

So I’m at a totally unrelated-type doctor appointment (eye, of all things), but what do they always do first? Always! You got it – the blood pressure reading.

148/94. Sheesh. This is not a good reading. And it was the second time, the first time the first number was over 150. Technician: Are you on medication? Me: No. Technician: Take a deep breath. Me: Breathing. Technician: Take another one.

and so I do, and so she takes the reading and it’s 148/94.

And I am so disappointed and feel like such a failure. I do more cardio than anyone I know. I lost 20 lbs. earlier this year, though that’s settled out at about 15-16 lbs. since. My BMI is 23. I don’t smoke or drink and haven’t done either in decades! I am a fixture at the Farmer’s Market. Yet my BP readings have only steadily climbed over the past few years.

So there’s nothing I can do about my age (58). Or my genes, what I’ve inherited from a family with a history of heart problems on both sides.

Salvation in technology, right? As Jesse Pinkman might shout, Yay Science! So I go to Amazon.com, and buy a BP monitor. This way I can torture myself by doing self-readings every day. Or maybe I’ll find out it was the coffee and the nervousness/busyness of going to the doctor, not something I do very often.

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Because, while I do have health insurance, the plan I have is a high-deductible one (catastrophic, perhaps) and I can’t afford to actually go to the doctor much, though I do pay the c. $300 per month hedge against total financial ruin (aka as the monthly health care premium – though it has nothing to do with care, really, now does it?)

All this is a roundabout way of saying that yes, Virginia and others, I do benefit from the Affordable Care Act (Obamacare!). How so? See my list:

  • I live in a progressive, forward-looking state that wants to make huge changes in the way health care is delivered to its population, #1. So, we have an Exchange (where you can buy a plan – coveredca.com) that’s been working since Day 1.
  • I get a better plan. My old plan with the Kaiser HMO did not include prescription coverage. Under the ACA, you can’t do that anymore, you actually have to have a plan that, you know, covers you.
  • The plan costs less. Why? Because I work only part-time (self-employed), I get a subsidy. So it’s about 2/3 less than what I was paying before. And even more if you consider that the premium for the same plan (now with prescriptions) went up about 60% from what I was paying in 2013.
  • Copays are slightly less, as is the out-of-pocket maximum for the year, which is a small benefit, but one in the right direction. I believe it’s $4,500. Which, while a lot of money to be shelling out if need be, is a whole lot better than financial ruin, bankruptcy, etc.
  • While not a perfect solution, this is a detour on the way to single payer – which we’ll eventually have, I predict.

So those are the specific benefits to me so far. Better plan, lower cost, no impossible to work through bureaucracy. I wanted to post this, as prosaic as it may be, because of the shrill voices in the media only finding disasters. There are successes — and there will be many, many more — you just have to look.

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“Living standards improve, despite tough economy” – Oh, Really?

Living standards improve, despite tough economy – USATODAY.com.

USA Today has finally abandoned even the pretension of journalistic credibility with this “article” in today’s paper.
I glanced at the headline while in Starbux earlier, and, eager to find out about my increasing fortunes, looked it up online.

What planet are these people on? Where to begin?

“The average annual income was $24,079 per person in 1980 in inflation-adjusted dollars, according to Bureau of Economic Analysis data. Last year, it was $40,454 per person.”

Ummm yeah, but I assume these averages take in everybody’s income, then divide it out by population. So it’s a big fat lie to say the average person makes $40,454! Income in the U.S. has been flowing to the top brackets since 1980, so the rich are much richer but the middle and working classes have been stagnant.

“Not only has income grown, what’s less obvious is how much better a lifestyle can be bought for the same amount of money whether it’s $25,000 or $100,000.”

They go on to say how much less computer memory costs in 2011 vs. 1980 (reminder: personal computers weren’t generally available until 1984 or so, before that it was industry mainframes mainly) and to say that we own more cars and take more flights.

Let’s talk to those commuters in places like L.A. and Dallas who spend hours more in traffic jams than would have been thinkable in 1980. Let’s talk to anyone who has to go to an airport and get felt up by a TSA goon, then sit in a cramped, tiny seat and get basically dehydrated and starved before we wax jubilant about the improved standards of air travel. Continue reading

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