The Will of the People? An AAR from DC, and a Primer

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We fought the good fight. It’s unfortunate that we must now deal with the repercussions of our representatives and their complete disregard for the people they serve, to include the most arrogant President of our time. He truly believes is is up on the stage all by himself performing magic.

My AAR about the events of Saturday are moot. I met wonderful people as far away as AK, MO, even IA. Some people drove 24 hours to get here. Buses arrived up until 3pm…There were great speakers and the evening proved particularly satisfying as we stood on steps where only Republicans showed their faces. The dirtbag dems used the underground tunnels to exit the grounds. Their  aides came out smirking and served to enrage me. I got very loud. We taunted….”Nan-cy, Nan-cy!!” And we could be heard from the inside out. It was exhausting and so worth it. It’s just a shame that the leaders only care about power, not people.

What I am also tired of is the attitude of people “that something is better than nothing because we are going to pay anyway” bull. They have not educated themselves but followed their reps blindly into the fire. More disconcerting to me is that people that are my friends are calling me extreme, non-compliant because I am so against this. And it isn’t for lack of compassion, nor that I lack the knowledge that people need care. It isn’t.

I am having a hard time understanding that people that I believed to be smart, and thoughtful and logical have totally bought into this. For example: my friend in Germany is the beneficiary of a social system of medical care. She is also an alcoholic but needed treatment for a bacterial ulcer. It took seven months for her to be diagnosed. In the meantime, she lost weight, had blood in her stools. As my medical background helps, I worried that she might have colon cancer. (There is a family history, too) I told her to call her sister and come to the US to be seen. She did not. My friend of 24 years said that she didn’t believe me, and that no offense, but my german friend was an alcoholic!!

Was that even the point? No, of course not. How does that justify that the system she wants was not giving access and quality of care to someone who was sick? She does not believe her choice and voice will be lost. I am stunned to be perfectly honest. I put emotion in the next statement- I feel as if this friend is tired of having to fight for security in her life, be it monetarily or otherwise, and is now bitter that her life is what it is, and not what she wanted. I get a serious sense of chest pounding and entitlement from her, under the guise of wanting it for others and again, I am stunned. When I had more money, I gave her whatever I could when she needed it. It was the benefit of my hard work and my husband’s.

I will fight this to our Republic’s revolution should it come to that. And, should I weather this political storm in the friendship, I will definitely say I told you so.

Below are some of the health care gems interpreted, but not by me.

The sections described below are taken from HR 3590 as agreed to by the Senate and from the reconciliation bill as displayed by the Rules Committee.

1. You are young and don’t want health insurance? You are starting up a small business and need to minimize expenses, and one way to do that is to forego health insurance? Tough. You have to pay $750 annually for the “privilege.” (Section 1501)

2. You are young and healthy and want to pay for insurance that reflects that status? Tough. You’ll have to pay for premiums that cover not only you, but also the guy who smokes three packs a day, drink a gallon of whiskey and eats chicken fat off the floor. That’s because insurance companies will no longer be able to underwrite on the basis of a person’s health status. (Section 2701).

3. You would like to pay less in premiums by buying insurance with lifetime or annual limits on coverage? Tough. Health insurers will no longer be able to offer such policies, even if that is what customers prefer. (Section 2711).

4. Think you’d like a policy that is cheaper because it doesn’t cover preventive care or requires cost-sharing for such care? Tough. Health insurers will no longer be able to offer policies that do not cover preventive services or offer them with cost-sharing, even if that’s what the customer wants. (Section 2712).

5. You are an employer and you would like to offer coverage that doesn’t allow your employers’ slacker children to stay on the policy until age 26? Tough. (Section 2714).

6. You must buy a policy that covers 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; chronic disease management; and pediatric services, including oral and vision care.

You’re a single guy without children? Tough, your policy must cover pediatric services. You’re a woman who can’t have children? Tough, your policy must cover maternity services. You’re a teetotaler? Tough, your policy must cover substance abuse treatment. (Add your own violation of personal freedom here.) (Section 1302).

7. Do you want a plan with lots of cost-sharing and low premiums? Well, the best you can do is a “Bronze plan,” which has benefits that provide benefits that are actuarially equivalent to 60% of the full actuarial value of the benefits provided under the plan. Anything lower than that, tough. (Section 1302 (d) (1) (A))

8. You are an employer in the small-group insurance market and you’d like to offer policies with deductibles higher than $2,000 for individuals and $4,000 for families? Tough. (Section 1302 (c) (2) (A).

9. If you are a large employer (defined as at least 101 employees) and you do not want to provide health insurance to your employee, then you will pay a $750 fine per employee (It could be $2,000 to $3,000 under the reconciliation changes). Think you know how to better spend that money? Tough. (Section 1513).

10. You are an employer who offers health flexible spending arrangements and your employees want to deduct more than $2,500 from their salaries for it? Sorry, can’t do that. (Section 9005 (i)).

11. If you are a physician and you don’t want the government looking over your shoulder? Tough. The Secretary of Health and Human Services is authorized to use your claims data to issue you reports that measure the resources you use, provide information on the quality of care you provide, and compare the resources you use to those used by other physicians. Of course, this will all be just for informational purposes. It’s not like the government will ever use it to intervene in your practice and patients’ care. Of course not. (Section 3003 (i))

12. If you are a physician and you want to own your own hospital, you must be an owner and have a “Medicare provider agreement” by Feb. 1, 2010. (Dec. 31, 2010 in the reconciliation changes.) If you didn’t have those by then, you are out of luck. (Section 6001 (i) (1) (A))

13. If you are a physician owner and you want to expand your hospital? Well, you can’t (Section 6001 (i) (1) (B). Unless, it is located in a country where, over the last five years, population growth has been 150% of what it has been in the state (Section 6601 (i) (3) ( E)). And then you cannot increase your capacity by more than 200% (Section 6001 (i) (3) (C)).

14. You are a health insurer and you want to raise premiums to meet costs? Well, if that increase is deemed “unreasonable” by the Secretary of Health and Human Services it will be subject to review and can be denied. (Section 1003)

15. The government will extract a fee of $2.3 billion annually from the pharmaceutical industry. If you are a pharmaceutical company what you will pay depends on the ratio of the number of brand-name drugs you sell to the total number of brand-name drugs sold in the U.S. So, if you sell 10% of the brand-name drugs in the U.S., what you pay will be 10% multiplied by $2.3 billion, or $230,000,000. (Under reconciliation, it starts at $2.55 billion, jumps to $3 billion in 2012, then to $3.5 billion in 2017 and $4.2 billion in 2018, before settling at $2.8 billion in 2019 (Section 1404)). Think you, as a pharmaceutical executive, know how to better use that money, say for research and development? Tough. (Section 9008 (b)).

16. The government will extract a fee of $2 billion annually from medical device makers. If you are a medical device maker what you will pay depends on your share of medical device sales in the U.S. So, if you sell 10% of the medical devices in the U.S., what you pay will be 10% multiplied by $2 billion, or $200,000,000. Think you, as a medical device maker, know how to better use that money, say for R&D? Tough. (Section 9009 (b)).

The reconciliation package turns that into a 2.9% excise tax for medical device makers. Think you, as a medical device maker, know how to better use that money, say for research and development? Tough. (Section 1405).

17. The government will extract a fee of $6.7 billion annually from insurance companies. If you are an insurer, what you will pay depends on your share of net premiums plus 200% of your administrative costs. So, if your net premiums and administrative costs are equal to 10% of the total, you will pay 10% of $6.7 billion, or $670,000,000. In the reconciliation bill, the fee will start at $8 billion in 2014, $11.3 billion in 2015, $1.9 billion in 2017, and $14.3 billion in 2018 (Section 1406).Think you, as an insurance executive, know how to better spend that money? Tough.(Section 9010 (b) (1) (A and B).)

18. If an insurance company board or its stockholders think the CEO is worth more than $500,000 in deferred compensation? Tough.(Section 9014).

19. You will have to pay an additional 0.5% payroll tax on any dollar you make over $250,000 if you file a joint return and $200,000 if you file an individual return. What? You think you know how to spend the money you earned better than the government? Tough. (Section 9015).

That amount will rise to a 3.8% tax if reconciliation passes. It will also apply to investment income, estates, and trusts. You think you know how to spend the money you earned better than the government? Like you need to ask. (Section 1402).

20. If you go for cosmetic surgery, you will pay an additional 5% tax on the cost of the procedure. Think you know how to spend that money you earned better than the government? Tough. (Section 9017).

You see, I am affected and it’s wrong. Number 3, 6. I currently hold a policy with a lifetime limit. And insurance companies are now forbidden to offer it. Hence, because of the health czars, oops, the IRS,(Ach! what’s  another 10 billion?) I will end up being dropped from that and forced to buy what the government says I need.

Why do I need to pay for maternity, pediatrics and well baby care? i am fixed, I will have no more babies. This is stealing from me to pay for someone else. I challenge anyone who believes that it is okay to steal, to just give your money to me, now. After all, (cue the Kum-freaking baya) we’re all going to pay– but some of us would actually do it of our own free will. Others must be forced because they would never do it to begin with even if they say they are for those who cannot seem to fend for themselves.That would be my best friend.

I resent the redistribution of my hard earned money. Period. What does this mean? I am subject then to what the government deems acceptable. I have lost my choice and my voice and the government gets to steal it from me.

Where is right about a law that mandates taking my money to pay for something I am not using? I just cannot believe the lack of logic I am seeing in all of this.

For all of those whom I have discussed this with, and those who simply believed the government had their best interests in mind…Well, I finally have something that I can give Billy Jeff Credit for besides the welfare issue. And that is, that he did have some integrity not to bribe those serving him. And, yes, as much as GWB spent, I believe we would not be here, today with national heath care if he were in office. No bribing and thuggery to be had by the person the left called a Nazi. Somewhere in Chicago, Nevada and California, their villages are missing the most blatantly corrupt idiots of our time.

And those of us who started out against those non-read stimulus and health care bills that are killing the Republic one at a time…we’ve got what it takes to keep up the fight.

Duty, Honor, Country.           (Can I get a Hoo-ah for motivation’s sake?)

First, last, and always.