Tag: ACA

A not exciting but still important post

A not exciting but still important post

by MichelleMcHatton

This post is going to be about something that’s not very exciting, but it’s very important.  It’s something that most of us have, yet most don’t really think about.  Until we need it.  It’s called insurance.

There are countless different kinds of insurance you can have:  auto, home, renters, life, pet, insurance for priceless pieces of jewelry or art (sometimes covered under homeowner’s, but often offered individually), even individual insurance options for body parts.  You name it, you can probably get insurance for it.  With all the different kinds of insurance available out there for just about anything, why is it so many people balk at having health insurance?  Especially our not-so-wonderful “president” and his moronic posse called the GOP.

All but two states require you have auto insurance—New Hampshire and Virginia.  And although it’s not mandatory, you’re still responsible if you cause an accident.  And you’re stupid if you don’t have it.  Not only for yourself but for others.

For most people who have a mortgage on their home or rent an apartment, it’s usually a requirement to have some kind of homeowner’s or renter’s insurance.  It’s stupid if you don’t because insurance is there to protect you.  Even as a liability.  If someone visited your home, fell down your icy stairs and broke their leg or worse, was killed, that’s a liability on you.  If you’re not protected by insurance, good luck.

Life insurance is probably the most overlooked, yet valuable, even affordable, type of insurance.  No, it’s not meant for you directly, but for your family to use indirectly for you in your passing.  Would you expect your family to go into bankruptcy because they couldn’t afford to bury you?  Do you think everything can be paid for with a GoFundMe page?  Please.  That’s relying on others who may or may not come through for you.  Life insurance is a definite.  Just don’t default on your premiums.  Which you shouldn’t with any kind of insurance.  That would just be stupid.

And now, let’s discuss the dreaded health insurance.  Believe it or not, it is actually easier to get health insurance than it is to get life insurance.  With life insurance, you can be turned down because of a pre-existing condition.  But guess what?  With health insurance under the Affordable Care Act, health insurers can no longer charge you more or deny you or your child coverage because of a pre-existing health condition.  They cannot limit benefits for that condition either.  Once you have insurance, they can’t refuse to cover treatment for your pre-existing condition.

But our not-so-wonderful “president” and his moronic posse called the GOP want to change that.  First they just wanted to have it so insurers could deny you if you have a pre-existing condition.  Now they just want EVERYONE to NOT EVEN HAVE HEALTH INSURANCE!  ISN’T THAT WONDERFUL????  There are 30 million Americans who risk losing their health insurance benefits if these assholes get their way.  The lucky ones will be left with paying way more than they are now for much less coverage.

Before you say “but I don’t have a pre-existing condition”, ask yourself if you are human.  If you ARE human, which I assume anyone reading this would be, then, guess what?  You DO have a pre-existing condition.  You may not have arthritis now, but chances are you will.  You may not have any one of countless kinds of cancers, diseases, ailments, mystery illnesses, but there’s a very strong chance you will.  If you are female and are planning on having children, there’s a very good chance you’ll have a pre-existing condition called “pregnancy”.  If you have children, you should KNOW there’s going to be some kind of pre-existing condition/need for medical care somewhere along the line.  I could go on and on.

Before you say “but I don’t want to have to pay for health insurance”, ask yourself why not?  You pay for auto insurance, don’t you?  Possibly homeowners or renter’s? Maybe even pet insurance?  You don’t squawk at paying for any of that, do you?  And you’re probably paying a hell of a lot more for the pet insurance than you would be for health insurance.  If you’re not paying for any kind of insurance, you either need to stop ripping someone off or get a life.  Or both.

The fact that these assholes are even CONSIDERING doing this to Americans should tell EVERY AMERICAN exactly what these assholes think of you.  THEY DON’T CARE ABOUT YOU.  They really don’t.  They didn’t two years ago when they tried to take our insurance away and they still don’t.  It’s sickening to know this is what they think of us.  Our own government dislikes its own citizens so much they want to kill them.  Because taking away health insurance for millions will exactly cause that to happen.

You Don’t Know What You’ve Got Until It’s Gone

You Don’t Know What You’ve Got Until It’s Gone

by MichelleMcHatton

 

 

Originally posted in July of this year.  Worth repeating with bullshit healthcare repeal part two happening.

 

I’ve come to the conclusion that whatever happens with the whole healthcare fiasco happens.

As crazy as it sounds, it actually would be great if this bullshit passed.   You know why?  Because everything happens for a reason.

  1.  First of all, if this shit bill passes it’s going to be a while before it actually goes into effect.  If they think otherwise, then things will be really interesting.
  2. Something nobody has mentioned (except Senator Angus King from Maine and my husband), is how this is going to effect everyone.  I don’t mean the people who need healthcare.  I’m talking about the healthcare workers.  I’m talking about the pharmaceuticals.  Does anyone know how huge the medical field is?  How many hospitals, doctors, nurses, administrative people, pharmacists this bill will affect?  Even nursing homes and rehab facilities.  Think about it.  If nobody can afford to have health insurance, how will any of these medical facilities remain in business?  Watch Senator King explain it all here to the hosts of ASSHOLE’S favorite MSNBC show “Morning Joe.

 

 

3.  Here’s the great part.  You know how ASSHOLE keeps pointing the finger at Obama blaming him for this “awful” healthcare that we have?  You know, the          Affordable Care Act?  Well, if this new shit healthcare Congress came up with gets passed and ASSHOLE signs it, guess what?  HE CAN NO LONGER BLAME OBAMA FOR SHIT HEALTHCARE!  He won’t even be able to blame Turtleface McConnell BECAUSE ASSHOLE’S name will be on the bill!  So, you know what THAT means?  WE can point the finger at ASSHOLE and he will be the only one to blame.

4.  Once Congress gets sick of the mess they created and ASSHOLE signed off on, along with all the chaos it has caused, they don’t even need ASSHOLE to repeal the shit bill and replace it back with–you guessed it–OBAMACARE!

5.  Here’s the best part:  after all this shit has been done and gone and the ACA is back in effect, people (at least the intelligent ones) will realize that although the ACA may not be perfect, it’s a hell of a lot better than what the greedy GOP assholes stuck us with.

6.  It will finally be realized that–DUH!–ACA needs to be revised, not repealed.

Remember:  you don’t know what you’ve got until it’s gone.

Here’s the “Skinny” on “the Skinny”

Here’s the “Skinny” on “the Skinny”

by MichelleMcHatton

As of this moment the bozos in Washington are dicking around with an 8-page “bill” that took them seven years to create.  They call this the “skinny repeal” plan because it repeals some of the ACA.  The problem I have with it is what it repeals.

The “skinny repeal” plan would likely eliminate the individual mandate, which requires nearly all Americans to obtain health insurance or pay a penalty.

This is the part of the ACA that young people have been bitching about.  They’ve been bitching about it because they’re young and healthy so their thinking is “why should I be required to pay for insurance if I don’t need it”.  That’s like someone saying they’ve been driving for twenty years, have never gotten a speeding ticket and have never been in an accident.  Why should I have auto insurance?  I’m a great driver.  Then one day–BOOM!  They hit someone, total their car and send the other party to the hospital.  Bet they wish they had auto insurance.

It’s the same thing with health insurance.  You’re a 20-something young stud, never smoked, don’t drink or do drugs, eat right, exercise, do all the right things.  But one day you start to feel “not right”.  You start to become clumsy.  Your stamina has gone AWOL.  You lose complete sensation in both your arms at the same time.  After many, many visits to many, many doctors and many, many medical bills you have had to pay out-of-pocket from your $15.00 an hour job because you were too ignorant to get health insurance, you learn that you have Multiple Sclerosis.  Health insurance would be nice right about now.

On the surface the option of not being required to buy health insurance may seem appealing to some.  Shit, we could all save a lot of money, right? Maybe take that dream vacation we’ve always wanted but won’t be able to take because we now have cancer and are bankrupt from all the bills we couldn’t pay.  Because we didn’t buy the health insurance.  Because we didn’t have to.  But now we wish we had.  Coulda.  Shoulda.  Woulda.  Didn’t.  Do you think Washington gives a fuck about your bad decision?  They should all be shot for even wanting to give you the fucking option!

Then there is the elimination of the employer mandate, which obligates larger companies to provide affordable coverage to their full-time workers.  The company I work for is a rather large company and I do obtain health insurance for me and my family through them.  If they are given the option to eliminate affordable coverage, what kind of health insurance options am I going to have as an employee?  Great, they can save money by offering some watered down shit plan.  Oooh, maybe they’ll install new windows with their savings.  Christ, the plan they offer now isn’t even that great but it’s first class compared to the health insurance offered at my husband’s company and at a few other companies I know of.  I can’t imagine what the plan would be like if they were only “obligated” to offer the “minimum”.  I’d probably be better off with nothing.

A little over a month ago President Barack Obama posted a message on Facebook regarding the Republican plan.  One thing he said that stood out to me was:

“Simply put, if there’s a chance you might get sick, get old, or start a family—this bill will do you harm. And small tweaks over the course of the next couple weeks, under the guise of making these bills easier to stomach, cannot change the fundamental meanness at the core of this legislation.”  

Folks, this means all of us.  We’re only human.  You know at some point in your life you will get sick, even if it’s just the common cold.  Hopefully you will live long enough to get old but along with age comes a myriad of health issues from simple ailments to complex diseases.  And you may or may not start a family.  But if you have any kind of dependent in your life, whether it’s a child or spouse, they may rely on you for health insurance.

WHY WOULDN’T YOU WANT IT??????????????

You Don’t Know What You’ve Got Until It’s Gone

You Don’t Know What You’ve Got Until It’s Gone

by MichelleMcHatton

 

I’ve come to the conclusion that whatever happens with the whole healthcare fiasco happens.

As crazy as it sounds, it actually would be great if this bullshit passed.   You know why?  Because everything happens for a reason.

  1.  First of all, if this shit bill passes it’s going to be a while before it actually goes into effect.  If they think otherwise, then things will be really interesting.
  2. Something nobody has mentioned (except Senator Angus King from Maine and my husband), is how this is going to effect everyone.  I don’t mean the people who need healthcare.  I’m talking about the healthcare workers.  I’m talking about the pharmaceuticals.  Does anyone know how huge the medical field is?  How many hospitals, doctors, nurses, administrative people, pharmacists this bill will affect?  Even nursing homes and rehab facilities.  Think about it.  If nobody can afford to have health insurance, how will any of these medical facilities remain in business?  Watch Senator King explain it all here to the hosts of ASSHOLE’S favorite MSNBC show “Morning Joe.

 

 

3.  Here’s the great part.  You know how ASSHOLE keeps pointing the finger at Obama blaming him for this “awful” healthcare that we have?  You know, the          Affordable Care Act?  Well, if this new shit healthcare Congress came up with gets passed and ASSHOLE signs it, guess what?  HE CAN NO LONGER BLAME OBAMA FOR SHIT HEALTHCARE!  He won’t even be able to blame Turtleface McConnell BECAUSE ASSHOLE’S name will be on the bill!  So, you know what THAT means?  WE can point the finger at ASSHOLE and he will be the only one to blame.

4.  Once Congress gets sick of the mess they created and ASSHOLE signed off on, along with all the chaos it has caused, they don’t even need ASSHOLE to repeal the shit bill and replace it back with–you guessed it–OBAMACARE!

5.  Here’s the best part:  after all this shit has been done and gone and the ACA is back in effect, people (at least the intelligent ones) will realize that although the ACA may not be perfect, it’s a hell of a lot better than what the greedy GOP assholes stuck us with.

6.  It will finally be realized that–DUH!–ACA needs to be revised, not repealed.

Remember:  you don’t know what you’ve got until it’s gone.