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.

Perfuming the Pig – HHS’ Latest Attempt to Sell Obamacare!

by Richard H. Frank

The latest ploy devised by the Department of Health and Human Services under Secretary Kathleen Sebellius is to sponsor a contest to create a video extolling the advantages of the Affordable Care Act especially for young people. The prize offered for the winning video will be $30,000 and paid for by the taxpaying public. Just another slap in the face to the more than 70% of Americans that oppose this onerous legislation.

Adding insult to injury, as we now learn according to Nancy Pelosi what’s in the Bill having passed it, this monstrous law consuming 2700 pages has grown to over 30,000 pages of Rules and Government Regulations which remain incomplete as of this writing.

The sterling performance of our Federal Government in failing to meet 50% of the deadlines specified in the original law is evidence of the ultimate collapse of this piece of ill-conceived legislation.

Thus far, every argument against the Act has been proven to be true with unintended consequences such as the destruction of the 40-hour work week, a pillar of our free-enterprise system, being destroyed.

All of this under the guise of fairness with the premise that health care for everyone has somehow become a Constitutional right. In fact, the Affordable Care ACt is the lever with which Barack Obama, Harry Reid and Nancy Pelosi will use to fundamentally change America and our free enterprise system.

If any further evidence is required to convince Americans of how “Big Government” is eroding our freedoms, look no further than the current scandals involving the NSA and the IRS. The Department of Health and Human Services is becoming paranoid at its inadequate attempts to launch this titanic piece of legislation and convince the public of the benefits that will flow to every American, legal or illegal, from the law.

Then there is President Obama, who in his narcissistic view of being a Monarch issues waivers to implementation of the law whenever it suits his political purposes. Please, show me where that power is embodied within our Constitution. Yet in Congress, our elected representatives sit idly by and do nothing to stop the blatant abusive of Executive Power. So much for our Constitution and equal branches of Government under our system of a Representative Republic.

As long as the Senate remains under control of the Democrats and Obama is our President, there is no chance of repeal or replacing the Affordable Care Act. Our only hope is to have Republicans take control of both Houses of Congress in the 2014 mid-term elections. In the meantime, all the contests and celebrity endorsements will do nothing to sell America on this purely partisan-driven piece of legislation. The more we learn about Obamacare, the greater its stench as lies are exposed.

The only way we can stop Obamacare over the coming two years is through nullification beginning at the local and state levels of Government. The 10th Amendment to the Constitution remains alive and well if “We the People” demand that our state representatives take a stand against this unjust law and cause it to crash under its own weight. Remember what is at stake in this battle and the broken promises of Barack Obama, Harry Reid and Nancy Pelosi:

“If you like your insurance you can keep it;”

“If you like your doctor you can keep him or her;”

“Your health care premiums will drop by $2500 for a family of four;”

“Government will not interfere between you and your doctor;”

Medicare will be strengthened under the Act;”

“Care will not be rationed under the plan; and

“30 million uninsured will now be covered under Obamacare.”

Each and every promise has been documented to be a lie and chronicled in Nick J. Tate’s “Obamacare Survival Guide.” Massive cuts to Medicare and new benefit rules for seniors. Rising premium costs in the form of new taxes to be borne by every American in the form of hidden taxes, levies and fees. Doctors making the decision to exit private practice rather than conforming to the bureaucrats in Washington. Finally, businesses across the country eliminating full-time 40-hour employees to avoid the 30-hour definition established under the law as constituting hours worked for a full time employee.

What will be the next surprise to come out as we have “passed the Bill to see what is in it?” America, bend over and grab your ankles as we are in for one hell of a ride as the Nation is “fundamentally transformed” using Obamacare as the catalyst for change to our Representative Republic.

The Ryan-Biden Debate-“One Flew Over the Cuckoo’s Nest!”

by Richard H. Frank

Unfortunately for the Democrats, watching Joe Biden’s performance in the Vice-Presidential debates gave voters a glimpse into the mind of a man living a heartbeat away from becoming President of the United States of America.

Obviously, Biden was conditioned to become the aggressor and dominate the debate and counteract Obama’s dismal performance against Governor Romney during the first Presidential debate.  His actions were more akin to those of inmates in a mental institution than those of a serious candidate for office.  His continuing interruption of Congressman Ryan and laughter when the subject of Libya and Iran were being debated made me wonder what was so funny about Iran securing nuclear weapons and the Administration lying about the attack and murders of Americans in Benghazi, Libya.

The Vice President’s visual actions showed disrespect and contempt not only for Congressman Ryan but for the American audience viewing his sophomoric display and antics.

Whether Biden recognizes it or not, he failed to defend the failed record of the Obama Administration on both the domestic and foreign policy fronts.

The pundits will declare victory for their respective candidates on style and substance – Biden failed on both fronts.

This election his the most important in our lifetime and our Country’s problems are serious.  Why would anyone in their right mind risk our future to a man living a heartbeat away from  the Presidency that displays traits of the inmates from the movie “One Flew Over the Cuckoo’s Nest?”

The Conditioning of America!

By: Richard H. Frank

Barack Obama’s 2008 campaign pledge to “fundamentally change America” has been launched and implemented little by little over the past 3 1/2 years. His administration’s initiatives to achieve “fundamental change” have been marked by a three-pronged assault upon the free enterprise system and our Constitution itself. The coordinated attack starts with onerous legislative efforts, which usually fail, followed by pushing the proposed objective through executive and or administrative fiat. If either of these approaches raise the ire of Congress , or the electorate, the administration turns to the Justice Department to challenge and intimidate those that oppose their initiatives.

The liberal progressives are tenacious in pursuit of their socialist ideology. They have persisted in pushing their agenda for nearly 100 years and with the election of Barack Obama have virtually brought this nation to its knees as a result of the accumulated burden of unfunded entitlements, out of control spending and a national debt on the fast track to $20 trillion over the next four years. A debt that outstrips GDP and burdens our children for generations to come.

Achieving energy independence is a prime example of how the liberals condition the population to accept “fundamental change” and their agenda. The Obama administration stands directly in the path of the free market initiatives to develop our own natural resources through exploration and development on Federally-controlled lands and offshore paying homage to the special interests that support their agenda. New sources of fossil fuel and environmentally-safe technology for extracting these resources are demagogued as unproven and a threat to the environment. As a result the increasing demand for oil world-wide increases the price of crude and sends gasoline prices soaring along with every commodity requiring transport to the market place. The Obama administration contends that there is little they can do to impact oil prices and that lifting restrictions and increasing permits will take too long to impact the world market. This is the same story we have heard for the past 30 years when, if we had acted, we would not be faced with a looming crisis for future supply at a price dictated by supply and demand as opposed to that determined by the far east oil cartel.

Until the price of a gallon of gasoline approaches $5.00 and the electorate rebels against the government inaction and their outright obstruction to increasing domestic supply the administration resorts to short-term actions like releasing oil from the strategic reserve as a means to manipulate prices just enough to cause the price to drop just below $4.00 per gallon. In the interim the President condemns big oil for raping the public and making obscene profits when the truth is big oil makes about 8 cents for every gallon of gasoline sold while the Federal government makes 26 cents, more than three times that of the oil companies.

This shell game orchestrated by the Obama administration is intended to condition the public to accepting $3.50 per gallon as the new normal and forget that just 3 1/2 years ago we paid only $1.80 per gallon in 2009 when Obama took office. Over time just as a trainer does with his dog, the public is conditioned to gladly accept the 100% increase as a good thing.

Then we have “Obamacare” sold to America by liberals in Washington in support of the President as the panacea that would provide “affordable” health insurance to every American. For over two years Nancy Pelosi, Harry Reid and Barack Obama preached the following rhetoric until many Americans believed them.

  • If you like your current health care plan and doctor you can keep them.
  • The average family will save $2500.00 per year in premiums under Obamacare.
  • Obamacare will not increase the deficit – not by a single dime.
  • The Affordable Health Care Law mandate is Constitutional under provisions of the commerce clause.

The first three statements above have been proven to be untrue and we will soon hear from the Supreme Court if the fourth is in fact Constitutional or not.

Three and one half years after Obama and his administration assumed power the standard of living for many Americans has deteriorated. We are told that the new norm for the middle class will include limited opportunity for jobs and sustained unemployment levels of 8% or higher. Higher taxes will be required for all income levels to support expanded entitlement programs with food stamps alone growing to include in excess of  50 million families.

For those senior citizens living on a fixed income the prospect for the future appears bleak. The inflationary impact from energy prices coupled with the necessary rationing of health care under Obamacare are the first harbingers of the “fundamental” changes yet to come. The conditioning process for the elderly includes loss of equity in their homes and the value of their pensions earned over all their working years. Expendable income vanishes rapidly for this segment of American society more quickly than for any other.

The conditioning process will proceed even faster should Obama be reelected until the standard of living we experienced in the 20th century will just be a fading memory. The “fundamental Change” Obama seeks is to achieve a social democracy where we are dependant upon government for survival. Statism fosters such dependency on government for subsistence. When that dependency can no longer be supported through taxation of the free enterprise system those conditioned to rely upon the so-called entitlements eventually turn upon their benefactor, the state, and rebel. We are witness to this in Greece and many other European social democracies.

Generations yet unborn will not know how this nation was conditioned to give up freedom and self-reliance in the name of fairness and turned America into a nation of mediocrity from the vibrant , exceptional free society experienced in the past.

Those of us that have experienced the blessings of freedom embodied in our Declaration of Independence and our Constitution must stand firm against “fundamental change’ in America and return to the conservative values and principles that made America the greatest nation on the face of the earth.

The Real Truth about Obama’s “Truth Team”

by Jayne Frank

On a daily basis, the Obama campaign team emails all the millennials, blacks, Latinos and other “groups” that supported him in 2008 to deluge them with lies about Obama’s record and why he should be given another chance.  It would be funny if it were not so sad.

The most flagrant and dishonest email I have ever seen is the one yesterday that there are 5 truths that Obama wants people to “put on their refrigerator” and pass along to everyone they meet.   The Obama groupies are encouraged to spread Obama’s five truths as follows.  The real truth about each one of these points is highlighted in red thereafter.

1)  Romney is the most radically anti-women candidate in a generation having supported the ban on Planned Parenthood and supported a ban on some abortion procedures.

Truth:  Unlike the Democratic talking heads, Romney has never demeaned womanhood, either in the workplace or in his capacity as Governor.  He treats all women as equals as not “victims” which flies in the face of everything the DNC and the Democratic party stands for.  The Democrats must, in order to be re-elected, portray women in America as victims unable to get fair pay for their work (unless a law demands it), and as an entitled group that must be given contraceptives and abortive services for free as they wish.  They also now have demeaned stay-at-home moms as not being productive in society.  This from a man who stated in his past that he would support Muslims whose entire life is devoted to making women subservient and second-class people.  This from a man who, through his own economic policies, has made women one of the largest unemployed groups in  America and has  put back decades the ability for women to work hard and progress in the private-sector marketplace.  

Knowing that the President of the United States represents all women of the U.S., not just the underprivileged, Romney supports NO FEDERAL FUNDING sent to Planned Parenthood.  We can’t afford it and Planned Parenthood can exist on private donations alone.

2)  Romney will repeal Obamacare.

You bet he will!  And he will have Congress replace it with a health care reform that will protect people with pre-existing conditions and make sure that doctors in America have the ability to treat their patients and not have to ration care for the less productive portions of our population (according to Obama), our precious seniors.  America is broke, has almost a $17 trillion deficit, and the Congressional Budget Office has already said that Obamacare will cost over $1.3 trillion more than the projected $1 trillion that was projected in the Legislation.  Quite truthfully, Obamacare is socialized medicine and will kill the quality of care for all Americans.

3)   Romney doesn’t have what it takes to be Commander-in-Chief because he shifts positions on foreign policy!

Are you serious?  This from a man who had zero experience to be qualified for this high office other than organizing community groups to protest inequality and to keep the entitlement system in place.   Due to his bowing to the entire world, continually apologizing for America, we are the laughing-stock of countries, especially in the middle east, who continually “test” Obama’s resolve.  I admit that Obama is steady in his foreign policy – he has none other than portraying America as a weak country not willing to stand up for its Allies or picking and choosing which human rights issues are worth taking a stand on.

4)  Romney’s economic plans would take more money from the middle class….

I won’t even finish this sentence because of the disgust this writer has for this repeated lie.  47% of Americans don’t pay taxes, and the top 1% of taxpayers pay almost 50% of the taxes in this Country.  There is nothing more to be said.  This President has made his 1st priority in his Presidency demeaning private sector success (unless it is from one of his wealthy donors such as a Bill Gates, Steve Jobs or Warren Buffet).  His own admitted policy as stated in his campaign was to “redistribute wealth.”  So why young people in this country would not see that there will be no opportunities under this Administration to work in the private sector and make a success of themselves financially, is beyond me.  Is sitting back and “taking” from our Government more satisfying than working hard and putting your hard-earned money in your pocket more satisfying?  I think not.

5)  Romney would end Medicare as we know it

Obama and the Democrats are once again resorting to the only tactics they know – trying to scare seniors, knowing that they are a very crucial voting block for the Presidential election.  The truth is that Medicare is on a downward spiral.  With millions of new baby boomers hitting the Medicare program each year, and with fewer and fewer people in the workforce able to pay into the Medicare system, Medicare WILL end as we know it with the help of Obama.   With a country in this much debt, the Medicare program must be overhauled so that our children and grandchildren have a program that will be there to supplement their medical care as well.  The perception is that there are seniors just waiting until they can get Medicare so they can then leech off the system for the rest of their lives.  In truth, seniors hate being forced into a Federally mandated medical health system and it is certainly true that the majority of us cannot survive off this benefits alone without spending a great percentage of our fixed income supplementing this Federal program.  Seniors are not stupid and we will overwhelming vote for a President, and a Congressional team, that is supportive of keeping benefits intact for seniors already getting Medicare, but who will lead and make the hard choices necessary to save Medicare for our kids and grandkids.

One of the most abysmal omissions in this emails is the effect that Obamacare will have on seniors’ healthcare.  You are starting to see rationing and decisions made by non-medical care boards within the Government on what care is appropriate and which procedures will be turned down, spiraling costs for our Medicare contributions that seniors are already making, and huge 30% increases for supplemental insurance that seniors must carry.   None of us, under Obamacare, are going to be allowed to see specialists if the “Board” thinks it is not warranted, and our own private doctors are being put in the position of either declining to see us anymore because of lack of payment under Medicare or because of the onerous regulations being placed on them under Obamacare.  Remember, under Obamacare, it is prohibited for you to pay for any procedure or doctor if you have the money to do so!  You bet Mitt Romney or any other Republican being elected to office will repeal this onerous legislation passed without a majority of Congress or the American people, and in the dark of night.

I know that some young people in this country see the President of our Country as a rock star – someone who feels their pain and can technologically keep up with them.  But I feel that is a huge minority, and that young people want the same prospects for their lives as I and my parents and grandparents had.  The prospect that if we worked hard,  persevered, and were good citizens and dedicated to our families, that the quality of life would be good for them and that life would be rewarding.  They are not willing to buy this “Bill of Goods” that the Obama administration is trying to sell, and that they will help elect a President in 2012 that is willing and able to put America back on the path to prosperity and freedom that I so enjoyed in my lifetime.

Time for Drastic “Anti-Smoking” Policies

by Jayne Frank

Of the several hundred articles written in Libertyssong Blog over the past couple of years, the one article receiving the most views, and I should say negative comments from smokers, is our previous article on whether smoking should really be considered a Right.  A few years later, my opinion that smoking is NOT a right is validated by the Centers for Disease Control, American Lung Association and our Government’s own current statistics.  This discussion is critically important today because the U.S. is broke and cuts must be made.

Here are the stunning statistics about the cost of smoking in the U.S.:

  1. $.25 of every health care dollar is used for illnesses related to smoking and other behavorial lifestyles, and practically NONE of those dollars are paid for by the person involved in such behavior, but are paid for by 1) increases in insurance premiums for the rest of society, b) disability costs and c) government expenditures for health care.
  2. There are 443,000 deaths (1 in 5) attributable to smoking each year.
  3. 49,400 deaths are attributable to second-hand smoke
  4. Smokers will die 14 years earlier than their non-smoking counterparts
  5. 8.6 million people live with chronic illness (and those costs are multiplying rapidly as life span increases).
  6. $96 billion is the staggering number spent on medical costs related to smoking.  Medical costs for smoking related illnesses have risen 8 times more than in 1980.
  7. $97 billion lost productivity costs to U.S. businesses each year

The argument you get from the liberal left in this country is exemplified by the following excerpt from an article by Santa Monica University:

“Clear as this reasoning seems, penalizing individuals for unhealthy behaviors could result in great injustice and social harm. While 18 percent of U.S. citizens with incomes above the poverty line smoke, for example, the figure almost doubles to 33 percent for those with incomes below the poverty line. A one-dollar cigarette tax would have a strongly regressive effect on the low incomes these individuals receive. Consider the added problem of tobacco addiction and the probable result of a tax is not less smoking or lower health care costs, but fewer dollars spent on nutritional food and other essentials – conceivably leading to more illness and higher health care costs.”

As a “middle class” citizen, taxpayer and a Conservative, this kind of rhetoric is deplorable and does nothing but  make people feel guilty who want to see our insurance and medical industry reformed because of those who smoke.  The costs and impact of smoking are staggering and quite frankly, I really don’t care if putting higher taxes on cigarettes will affect lower income people and I don’t care of they choose to buy a pack of cigarettes instead of taking care of themselves–choosing to smoke cigarettes instead of eating.  Shame on this kind of argument!

What I would like to see is a real economic punishment for those that choose to live an unhealthy lifestyle, in the form of higher insurance rates and lower benefits for unemployment and welfare if recipients continue to buy cigarettes.    Period.

Our Congress and the Obama Administration have started this class warfare argument and are currently targeting the very expenditures for which Government was instituted (our national security).  They are also mass targeting seniors for COLA and benefit cuts, even those who have never smoked and are attempting to live an active lifestyle.  The real argument to be made is whether seniors have to do without their prescriptions which they pay for because of rising insurance premiums which they also pay for.

It is high time our Representatives stand up and start addressing this epidemic in America, both for economic and health reasons.

Again, smoking is NOT a right.  It is costing this country immeasurably in human treasure and financially for our children and grandchildren.  Let us all take a stand for what is right for the country as a whole.

 

 

 

 

 

 

 

Obamacare’s Secret Attack on Senior Women

by Jayne D. Frank

For those of you that dismiss articles like this because you are young and otherwise busy, this affects every one of your parents, especially your mothers.  Since Obamacare was passed, seniors have seen severe changes which have been unreported by the media and unpublished by many blogs and newspapers.  Specifically, I can only talk about what has occurred in my life with regard to this draconian law.  I am 65 and in good health, mostly because 1) I have had and paid for my own insurance premiums since the beginning of my work life, 2) I have had my regular checkups with my family doctor as well as my gynecologist, and 3) I try to eat well and keep active.  In other words, I have taken full responsibility for my medical care and health for many years and have never abused the system such as going to an emergency room for anything short of inability to breathe or anaphylactic shock.

Here’s the gripe people like me have with Obamacare:  we are being denied healthcare, even as early as 2011.  I will give you specifics to back up my claim:

1.  In my doctor’s office immediately after passage of Obamacare, I saw a posted sign which said that the office was changing the way it operated (keep in mind what the law contains).  Paraphrasing, the sign said that the doctors would not always be available, but that other professionals in the office would be sure to take care of you “as a team.”  It indicated that records would be changed to electronic and that you could access your records by email.  Keep in mind that for many people in their 80s and 90s, they have no computer skills, don’t own a computer, and would never sit down to email about their blood test results or health records; therefore, they will be forced to neglect their own healthcare.  The most egregious part of the sign indicated that “in the future we will be discussing “your goals” versus “our goals” for your health to give you the care you want.  In other words, the “death panel.”

2.   Our insurance premiums for the two of us have gone up 30% in one year just for the supplemental insurance that we pay.  Now we find out that the cost-of-living increase in 2012 will be offset by the increased Part B and Part D premiums; in fact, the cost will be higher for those parts of Medicare.  During this same year or two, our cost of living has increased for everyday items – our food, our heating costs, our gas for our cars; a real crunch for American families that are working and have a family, but a severe drain on the fixed income of seniors.  This eventually will translate into a decision not to go out to dinner or to travel; for those under the poverty level, that translates into whether to eat or take prescription medicine.

3.   During my annual gynecological visit, I was told on this my 65th birthday, that medical experience suggests that women of my age stop having gynecological exams because the incidents of ovarian cancer or cervical cancer are rare.  These are the latest statistics on both types of cancer for women 65 and over:

Cervical Cancer:

  • Women ages 65 and older account for nearly 25 percent of all cervical cancer cases and 41 percent of cervical cancer deaths in the United States.
  • Women ages 65 and older have a cervical cancer incidence rate of 16.8 per 100,000, compared to 7.4 for women younger than 65. The incidence rate is the number of newly diagnosed cancers per 100,000 population during a specific period of time (usually one year).
Ovarian Cancer:
  • In more than 50% of cases, ovarian cancer occurs in women over the age of 65; but younger women can also be affected. The incidence dramatically increases with age, reaching its peak in the late 70s. Approximately 70% of women with ovarian cancer have extensive disease at the time of diagnosis.  Many times, doctors are trying to get away from regulations for not addressing ovarian cancer in the older age group by suggesting that women just remove get a hysterectomy.
This advice by the gynecologist was also reiterated by my family physician.  What accounts for this sudden change in the push to stop women from staying on top of their health at all ages?  Surely, the new restrictions and mandates  upon doctors by the massive Obamacare law. Doctors have to cut their costs somewhere; why not on their aging patients.
As a woman, I am infuriated with what is happening to our healthcare system.  I don’t blame the doctors so much because the new mandated paperwork and switch to electronic records by our Government, as well as reductions in payments to doctors under Medicare, are costing them excessive time and costs, when they could have devoted this  time to patient care.  I place this blame directly on the costs inflicted by Obamacare and call upon all women in this country to fight for repeal of Obamacare and as a result fight for their right to adequate healthcare for their entire lives!   We must also have new leadership in this country that will pass a bill for tort reform to take the shackles off doctors caused by fear of malpractice suits.
Get off your butts seniors and fight back!