insurance

Is Obamacare Your Pimp?

<span style="background-color: white; color: #333333; font-family: Georgia, 'Times New Roman', 'Bitstream Charter', Times, serif; font-size: 14px; line-height: 21px;">Is Obamacare your pimp? Who is your baby daddy? In many cases it is #Obamacare. If you bought a </span><br /><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj-AKBmjuyrtS79o9_k5Mjd_Kl9xt23lFV8Vmo9wOmTFQNe_yCjbwCY-Xt9C0o1zbnLpXrtHwokBP52JIXZ55DcvIi2yV3VgOiqfcgNY3LLKryj8VfWvgj2zSXfLUjBD_EdsBqWEbdy2sw/s1600/pimp+my+health+insurance.jpg" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img border="0" height="93" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj-AKBmjuyrtS79o9_k5Mjd_Kl9xt23lFV8Vmo9wOmTFQNe_yCjbwCY-Xt9C0o1zbnLpXrtHwokBP52JIXZ55DcvIi2yV3VgOiqfcgNY3LLKryj8VfWvgj2zSXfLUjBD_EdsBqWEbdy2sw/s200/pimp+my+health+insurance.jpg" width="200" /></a></div>subsidized  health insurance plan from the <span style="background-color: white; color: #333333; font-family: Georgia, 'Times New Roman', 'Bitstream Charter', Times, serif; font-size: 14px; line-height: 21px;">Obamacare  exchange working taxpayers are funding  a portion of your premiums. When you bring a baby into the world you need to tell the insurance company and Obamacare.</span><br /><span style="background-color: white; color: #333333; font-family: Georgia, 'Times New Roman', 'Bitstream Charter', Times, serif; font-size: 14px; line-height: 21px;"><br /></span><div style="color: #333333; font-family: Georgia, 'Times New Roman', 'Bitstream Charter', Times, serif; font-size: 14px; line-height: 21px; margin-bottom: 1.3em;">Why?</div><div style="color: #333333; font-family: Georgia, 'Times New Roman', 'Bitstream Charter', Times, serif; font-size: 14px; line-height: 21px; margin-bottom: 1.3em;">Because Obamacare is your pimp and your baby daddy.</div><blockquote style="color: #333333; font-family: Georgia, 'Times New Roman', 'Bitstream Charter', Times, serif; font-size: 14px; line-height: 21px;"><div style="margin-bottom: 1.3em;">With regular private insurance, parents just notify the health plan. Insurers will still cover new babies, the administration says, but parents will also have to contact the government at some point later on.</div></blockquote><div style="color: #333333; font-family: Georgia, 'Times New Roman', 'Bitstream Charter', Times, serif; font-size: 14px; line-height: 21px; margin-bottom: 1.3em;"><a data-mce-href="http://news.yahoo.com/apnewsbreak-adding-baby-plan-not-easy-082827023--politics.html" href="http://news.yahoo.com/apnewsbreak-adding-baby-plan-not-easy-082827023--politics.html" target="_blank"><strong>Yahoo News</strong></a></div><div style="color: #333333; font-family: Georgia, 'Times New Roman', 'Bitstream Charter', Times, serif; font-size: 14px; line-height: 21px; margin-bottom: 1.3em;">Working taxpayers, by way of the federal government, are providing tax breaks (premium subsidies) so you can afford to have health insurance. Since we are paying some of your bills we need to know when you have a baby (or adopt). We become your pimp. We are your baby daddy.</div><blockquote style="color: #333333; font-family: Georgia, 'Times New Roman', 'Bitstream Charter', Times, serif; font-size: 14px; line-height: 21px;"><div style="margin-bottom: 1.3em;">Such changes affect financial assistance available under the law, so the government has to be brought into the loop.</div></blockquote><div style="color: #333333; font-family: Georgia, 'Times New Roman', 'Bitstream Charter', Times, serif; font-size: 14px; line-height: 21px; margin-bottom: 1.3em;">That new baby may mean your taxpayer funded subsidy amount will change. Your gross premiums will increase. That is a given. But your net (after subsidy) may also increase.</div><div style="color: #333333; font-family: Georgia, 'Times New Roman', 'Bitstream Charter', Times, serif; font-size: 14px; line-height: 21px; margin-bottom: 1.3em;">But wait. There's more.</div><blockquote style="color: #333333; font-family: Georgia, 'Times New Roman', 'Bitstream Charter', Times, serif; font-size: 14px; line-height: 21px;"><div style="margin-bottom: 1.3em;">It's not just having a new baby that could create bureaucratic hassles, but other life changes affecting a consumer's taxpayer-subsidized premiums. The list includes marriage and divorce, a death in the family, a new job or a change in income, even moving to a different community.</div></blockquote><div style="color: #333333; font-family: Georgia, 'Times New Roman', 'Bitstream Charter', Times, serif; font-size: 14px; line-height: 21px; margin-bottom: 1.3em;">When you sign up for Obamcare the federal government needs to know more about your (formerly) private life. This includes marriage, divorce, children turning 19, moving to a new zip code  . . .</div><div style="color: #333333; font-family: Georgia, 'Times New Roman', 'Bitstream Charter', Times, serif; font-size: 14px; line-height: 21px; margin-bottom: 1.3em;">The role of the baby daddy is much expanded.</div><blockquote style="color: #333333; font-family: Georgia, 'Times New Roman', 'Bitstream Charter', Times, serif; font-size: 14px; line-height: 21px;"><div id="yui_3_9_1_1_1388774673814_1100" style="margin-bottom: 1.3em;">Insurers say computerized "change in circumstance" updates to deal with family and life developments were supposed to have been part of the federal system from the start.</div><div id="yui_3_9_1_1_1388774673814_1496" style="margin-bottom: 1.3em;">But that feature got postponed as the government scrambled to fix technical problems that overwhelmed the health care website during its first couple of months.</div><div id="yui_3_9_1_1_1388774673814_1106" style="margin-bottom: 1.3em;">"It's just another example of 'We'll fix that later,'" said Bob Laszewski, an industry consultant who said he's gotten complaints from several insurer clients. "This needed to be done well before January. It's sort of a fly-by-night approach."</div></blockquote><div style="color: #333333; font-family: Georgia, 'Times New Roman', 'Bitstream Charter', Times, serif; font-size: 14px; line-height: 21px; margin-bottom: 1.3em;">No surprises here. Just more examples of incompetence in the Obama administration.</div><div style="color: #333333; font-family: Georgia, 'Times New Roman', 'Bitstream Charter', Times, serif; font-size: 14px; line-height: 21px; margin-bottom: 1.3em;">Just like many real life pimps, the Obama administration wants no part of actually taking care of matters. But they do want to know where you are and who you are seeing. Big on promise, short on follow through.</div><div style="color: #333333; font-family: Georgia, 'Times New Roman', 'Bitstream Charter', Times, serif; font-size: 14px; line-height: 21px; margin-bottom: 1.3em;">Obamacare will pimp your health insurance.</div>

Is Obamacare Your Pimp?

Is Obamacare your pimp? Who is your baby daddy? In many cases it is #Obamacare. If you bought a subsidized health insurance plan from the ...

9:29 AM

My new article...

My new article...

(the first this year!) is up at Answers.com: " Variable annuities offer consumers looking for tax-advantaged growth the opportunity for...

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And so it begins (well, continues)...

<div class="separator" style="clear: both; text-align: center;"><a href="http://www.collegeview.com/admit/wp-content/uploads/2012/04/0_A_winding_road.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" height="93" src="http://www.collegeview.com/admit/wp-content/uploads/2012/04/0_A_winding_road.jpg" width="140" /></a></div><div style="text-align: justify;"><span style="font-family: Arial,Helvetica,sans-serif;">To the surprise of very few (and certainly no one who's been actively following the train-wreck), the ObamaTax has certainly lived up to its hype:<br /><br />"<a href="http://www.dailymail.co.uk/news/article-2532869/They-no-idea-insurance-active-not-At-Virginia-hospitals-Obamacare-confusion-reigns-frustrated-patients-walk-out.html" target="_blank"><i><span style="font-family: Times,"Times New Roman",serif;">Hospital staff in Northern Virginia are turning away sick people on a frigid Thursday morning because they can't determine whether their Obamacare insurance plans are in effect</span></i></a>."<br /><br />Given the <a href="http://insureblog.blogspot.com/2014/01/one-step-forward-two-steps-back.html" target="_blank">last-minute shenanigans</a> played by the Obamastration and its chief henchcritter, Ms Shecantbeserious, it would be a wonder if there <i>weren't</i> health care delivery "glitches." Remember, too, that the 404care.gov site makes it well-nigh impossible to either pay for coverage, or to confirm that it is, in fact, in effect.<br /><br />[<i>ed: nor can folks <a href="http://www.lifehealthpro.com/2014/01/03/newborns-cant-be-added-to-plans-on-healthcaregov?eNL=52c72124150ba0df1200014c&utm_source=LifeHealthProNewsFlash&utm_medium=eNL&utm_campaign=LifeHealthPro_eNLs&_LID=97695454" target="_blank">add newborns, add or delete spouses, or account for pretty much any life cycle event </a>that would impact their plan</i>]<br /><br />But it's not just hospitals, and it's not just in NoVa:<br /><br />"<a href="http://washington.cbslocal.com/2014/01/03/doctors-office-spends-2-hours-on-hold-with-health-insurer-for-patients-surgery-authorization/" target="_blank"><i><span style="font-family: Times,"Times New Roman",serif;">The new year brought relief to some Illinois patients newly insured under the nation’s health care law. Others still weren’t sure whether they were covered, despite their best efforts to navigate the often-balky new system</span></i></a>."<br /><br />That's out of Chicagoland, where "<i><span style="font-family: Times,"Times New Roman",serif;">[p]aperwork problems almost delayed suburban Chicago resident Sheri Zajcew’s scheduled surgery.</span></i>" Fortunately, her surgeon decided to go ahead and operate anyway, on the theory that he can obtain <b>post</b>-authorization.<br /><br />Here's the thing: you can't really do that. <i>Prior</i> authorization is a pretty serious thing, and there's a likelihood that the carrier will decline to retroactively grant it.<br /><br />"<i>Oh, but Henry, they're stuck, too, surely they'll understand and work with the surgeon and the patient (their insured).</i>"<br /><br />Maybe, maybe not. But gambling that the insurance carrier, already facing incredible pressure from stakeholders and the folks in Capital City, will suddenly decide to go wobbly on established process is, at best, dubious. Remember, this was a "scheduled," ie <b>elective</b>, procedure, <i>not</i> an emergency.<br /><br />Still wanna bet on it?</span></div>

And so it begins (well, continues)...

To the surprise of very few (and certainly no one who's been actively following the train-wreck), the ObamaTax has certainly lived up to...