Seniors Being Set Up by Affordable Care Act

by Jayne D. Frank

The Affordable Care Act and advocates of it, repeatedly say seniors will not be affected by the Act. The last thing the Government needs, especially among the chaos now created by their Healthcare.gov site not working for other Americans, is to have seniors question what will happen with their care. We all received a slice of this “preview” this week in the news when several elderly people in their 80s were interviewed because they have been told their doctor will not be in their plans anymore and they would have to find other doctors.

In other states, seniors who have regular Medicare and pay for their own Medigap coverage are being sent repeated letters during “open enrollment” now going on, that Medicare Advantage might “be a better option for you.” Really? A better option when the Congressional Budget Office projected that the Affordable Care Act will result in 3 million fewer people enrolled in Medicare Advantage and that the health insurance tax (also from ACA) will result in seniors facing $220 in higher out-of-pocket costs and reduced benefits next year and $3500 in additional costs over the next ten years. (reference ahip.org/issues/Medicare-Advantage). All you have to do is do your own research, read between the lines and see that it is eventually the intention of insurers to have their senior subscribers shift to Medicare Advantage and then be dropped because of the cut to doctors participating in Medicare Advantage, all as a direct result of Obamacare.

Those in Medigap policies cannot be assured of continued coverage either or at least good quality care. Just read the Medicare.gov site under “coordinating your care” where it states you can “always see any doctor or healthcare provider who accepts Medicare, AND accepts these programs;” namely Accountable Care Organizations (ACOs) and/or Comprehensive Primary Care Initiative, two programs which severely compromise your quality of care, take the decision-making away from you and your doctor, and put cuts on what kind of services you “should” be getting in the future. The aim is to coordinate your healthcare between you, your doctor, and every agency or board that will be involved in the Obamacare law. They will be following the “Choosing Wisely Initiative” which targets the issue of “inappropriate” or “overused” tests and procedures for seniors, all the way from bone density tests to cardiac procedures” for which “drug treatment works as well as surgical intervention.” (ref: Washington Post: Inappropriate Procedures are Expensive and Risky.) This Choosing Wisely Initiative will probably be used in the media as a substitute for the death panels in Obamacare, all done in the name of “fraud prevention.”

Seniors are our real “treasure” in this country – they are our mothers and our fathers, our mentors and our inventors. They have worked at steady jobs for many decades so that the young people in America can have a more prosperous and fulfilling life. Will the millions of seniors in this Country start waking up to what is happening and get involved in making sure that we try to repair the destruction happening in our healthcare system? Seniors may not have the strongest bodies anymore – but their intelligence is intact and their voices are strong and must be heard.

Obama’s Roadmap to a “Single-Payer System” for Healthcare in America!

by Richard H. Frank

There is an old adage that states “Oh what a web we weave, when at first we try to deceive!” Barack Obama has for over four years deceived and lied to the American people when he stated “If you like your healthcare insurance you can keep it – PERIOD; If you like your doctor you can keep him or her – PERIOD; No one can take your insurance away no matter what; existing plans are grandfathered in under the Affordable Care Act.”

What he failed to say was that the law mandated ten provisions that policies must include in order to qualify under the law. Further the law is explicit when it says that any changes in coverage or premiums would eliminate a policy from the grandfathered protection. Thus, as soon as any provider altered their coverage to comply with the law, they automatically voided the grandfather clause. The ACA law in essence forces insurers to cancel policies that exclude any of the mandatory provisions under the law which individuals may prefer and raise premiums on replacement policies or exit the market altogether. This is just one example of Obama’s “bait and switch” tactics used to sell the ACA to unsuspecting Americans.

Although the rollout of the Obamacare website and millions of people losing their coverage due to the law is consuming the news headlines the real story is being buried by all the political rhetoric. The real story not being talked about is how Obamacare has been designed to fail and force the nation to adopt a single-payer system across the nation.

The evidence was placed right before our eyes when in 2009 a Flow Diagram created by Kevin Brady was shown to the public depicting how Obamacare would function and integrate 159 different government agencies in administration of the law. Viewing this diagram is there any wonder that the Government website failed and crashed at its inception. This monstrosity was doomed to fail by design. In the interim, private insurance companies will be forced to raise premiums on businesses and individuals and eventually be forced out of business. The last alternative for Americans will be Medicaid which is the Government-administered single-payer system supported by Obama during his 2008 campaign for election.

Should the Affordable Care Act remain the law of the land, Obama will have achieved his stated goal to “fundamentally change America” and destroy the free enterprise system in America.

The only way for “We the People” to stop Obama’s relentless march towards socialism in America is to clean house in both Houses of Congress during the 2014 midterm election and put a halt to President Obama’s agenda to make America a third world nation.

Obamacare – The Definition of Insanity!

by Richard H. Frank

Barack Obama’s television address from the Rose Garden extolling the massive benefits of the “Affordable Care Act” was reminiscent of a carnival Barker selling the latest version of the Vegamatic. The Salesman-in-Chief was careful to avoid calling his signature legislative accomplishment “Obamacare” even though in previous speeches he wore the name as a badge of honor.

The focus of his remarks centered around the more popular aspects of the law and were orchestrated to avoid the reality of how and by whom these benefits would be paid for. There was a definite tone of panic in his voice as he attempted to “perfume this pig” of a law.

If the American people were ever skeptical about the Government’s ability to implement and administer 18% of our economy, the rollout over the past three weeks should convince them of the disaster yet to come.

Forty-eight years working in the free enterprise corporate world taught me to recognize that there is no such thing as a free lunch. When the President states, without reservation, that young people may stay on their parent’s plan until 26, that pre-existing conditions will be covered, that contraceptive services will be provided free and that millions will become edible to receive state-sponsored Medicaid, he fails to state at what cost and who picks up the tab for these freebies.

The biggest lie he told was that prices have come down and that 6 in 10 people will be able to purchase insurance for under $100/month. This statement conveniently omits any mention of increased deductibles and co-pays associated with those plans.

His “tech surge” is an even bigger joke considering he has spent hundreds of millions over the past three years to meet this October 1 rollout of the website exceeding the original cost by over 300%. The CEO and IT Managers of any corporation would be fired if their performance mirrored that in managing a new product introduction.

But not to worry; Obama promised today that the 19.5 million visitors to the website unable to complete a registration will be contacted individually with information on how they may proceed, nor does he acknowledge that millions of “visitors” to a site are just that – visitors.

President Obama made no mention of a delay in the individual mandate or fines for failing to register – only a laundry list of how and where you may go out of your way to apply.

I was stunned when he said that “prices will not change” when it has been documented that the program used to generate premiums was flawed and posting inaccurate prices.

The next six months will tell the truth concerning the “Affordable Care Act” as Americans working for large corporations see their company-sponsored plans cancelled, work schedules altered to under 30 hours to avoid having to provide insurance and premiums continuing to skyrocket due to the law.

Obamacare, much like a company in a death spiral failing to recognize and change what they are doing, is destined for collapse. Continuing to do the wrong thing and expecting a different outcome is the definition of insanity. Only the Federal Government and the ideologues like Barack Obama, Harry Reid and Nancy Pelosi seem unable or unwilling to recognize the futile reality of the “Affordable Care Act” which if left to their devices will collapse under its own weight.

October 16, 2013-Groundhog Day in Washington, D.C.

by Richard H. Frank

The politicians in Washington D.C., especially Barack Obama, Harry Reid and Nancy Pelosi, are marking October 16, 2013 as a victory over Republicans in the House of Representatives with the passage of an extension to the CR and the debt limit extension until after the first of the year. In reality, the Senate Bill accomplished absolutely nothing and was a replay of the 2011 budget crisis. Just as in the movie “Groundhog Day” every American can prepare for a replay of the same old “crap” – just another day.

The only accomplishment of this legislation is to incur an additional $1 trillion of debt over the next 60 days for Obama to spend and redistribute as he deems appropriate.

I seem to remember his statements and vote against the debt limit increase in 2006 as such actions would be irresponsible and un-American. Now he has the audacity to proclaim that extending the debt limit does not increase our debt by a single dime. I wonder where he studied money and banking. Obviously not in the Wharton School of Economics. I also seem to remember he appointed the Simpson Bowles Commission to study and make recommendations on how to bring Government spending under control and eventually balance the Federal budget.

Because the Commission recommendations addressed entitlement reform, Obama immediately rejected the recommendations out of hand and for the past four years has ignored his own Commission’s findings.

Following the loss of control in the House by Democrats in the 2010 mid-term election, Obama’s solution to our economic woes was to appoint a Super Committee charged with solving the ongoing problems of continuing deficits and structuring a “grand bargain” that would raise revenues without reducing the current out of control spending.

To assure success of the Super Committee, Obama and his administration championed the creation of the “Budget Control Act” passed and signed into law in 2011 that contained a provision for across the board spending cuts in every branch of government known as the “Sequester.” When the Super Committee failed to reach agreement and eventually disbanded, Obama and his administration freaked out as sequester took over and they predicted Armageddon for the nation. Two years have passed and the spending reductions have been implemented without Armageddon taking place.

The government shutdown of 2013 began on October 1, 2013 with the furlough of some 700,000 non-essential government employees. If my math and understanding of the English language is correct, that means approximately one-third of the Federal Government is non-essential; then it seems to reason that one-third of the Federal budget should be scrutinized for elimination.

One-third of our current spending in a $3.2 trillion budget equates to $1 trillion in reductions that brings the Federal budget close to balancing. However, Congress would never consider addressing the obvious as some special interest might be put at risk when logic prevails over politics.

The real answer to the Government’s spending problem is to rid Congress of the professional politicians through strict term limits that would rid the Government of those who put personal advancement over doing the work and will of “We the People.”

Unfortunately, this would require that someone sponsor a Constitutional Amendment to achieve that end. This, along with a Balanced Budget Amendment, although talked about, are much like the mythical unicorn – beautiful to imagine but far from reality.

So following October 16, 2013, another groundhog day, our nation is taking a giant step along the path to becoming Greece.

May God have mercy on our children and grandchildren who are destined to bear the burden of debt thrust upon them by a Federal bureaucracy concerned only with their ideology and egos.

Should we fail to fundamentally alter the makeup of Congress in the 2014 mid-term and put a stop to the devastating regulation of our economy and redistribution ideology held by Barack Obama and his minions, he will have achieved his stated goal to “fundamentally change America” to become a European-style democracy and cease as a Representative Republic.