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There’s No Place Like Home…Especially if they can take yours!

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Marti Oakley

 

Medicare Advantage: Only an advantage for those glorious “stakeholders”

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“It isn’t the patients who are bankrupting Medicare….its the service providers on all levels. If the states and insurance companies need to “recapture” their expenses…why not start with those who are gaming the system?”

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According to the US Census Bureau, annual home ownership rates between 1982 and 2017 shows the population of those 65 or older represented just over 80% of all homes owned. This statistic has made the elderly prime targets for estate theft by predatory guardians and attorneys, and now under Medicare Advantage, the state/insurance companies can attack the estate because for some reason they have to be able to recapture the costs of long term care that you financed to begin with.

Now, ask yourself why, after investing in Social Security and Medicare over your lifetime, and….having to pay in most cases exorbitant premiums each and every month once you retire, along with co-pays, deductibles and a host of non-covered services, what you could possibly owe to the state or the insurance company?

But under Medicare Advantage, the combining of Medicare and Medicaid, after you having invested a portion of your earnings over your working lifetime, paid premiums, co-pays, deductibles and paid taxes to support these healthcare programs, these “stakeholders”, the [state/insurance company] must recapture the costs associated with long term care you might have needed, once you pass away.

Now think about this. You worked all your life and invested in Social Security and Medicare. You paid income tax every year which helped pay for medical care for the poor called Medicaid. You bought your home and have been assessed property taxes every year just for doing so, and continue to pay property taxes while you remain there, and long after the mortgage has been paid off. If you hadn’t paid those property taxes they would have already taken your property from you!

Currently, the bills in each state covering this “recapture”, prohibit the state from seizing property if there is a surviving spouse living in or on the property. But once the surviving spouse dies or are themselves put into long term care, the state/insurance company can attack the estate in order to recover those costs. Even if there is joint tenancy or co-ownership of property by those who are not otherwise responsible for, or legally bound to the deceased, the state/insurance company has first rights to the assets. And this recapture takes place before any inheritance can be received by the beneficiaries of the estate. Of course there is no intention of anything to remain for heirs. More

We Need Doctors Who Are Out of Control

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new-logo25  By Alieta Eck, M.D.

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We constantly are told that “while ObamaCare might not be perfect, the right has not come up with a better plan.” Is it possible that we do not need a “plan” at all?

Think about it. Has the federal government set up a food plan for all? A housing plan? Is the Secretary of Whatever empowered to decide what and when we eat? What kind of house each of us lives in? Of course not. We work, we plan and we buy what we need, saving up for the big-ticket items. Government does not control us, nor should it.

So why is health care different?

“Health care” begins in the home– when moms and dads teach and model good health habits and good nutrition. In grade school the health teachers show children the basic food groups and explain why eating right and exercising is the road to a healthy life. Avoiding the use of toxic substances such as cigarettes, alcohol, and illegal drugs is part of early training. Early learning of the proper role of kindness and generosity is the best way to teach good behavior and the structure of a healthy family and community.

So while staying healthy is the first step, next we need to learn how to detect illness early. A fever, a localized pain, a cough, or simply knowing that something is just not right ought to prompt one to seek medical attention. That is where it would be good to have a relationship with a physician who knows us, or at least knows the right questions to ask. His education is geared to picking up the signs, symptoms, and physical indications of disease. He is also prepared to handle 92% of what ails us and can get us back on our feet. We ought not need health insurance for routine care, as running these visits through an insurance company will make them more expensive.

Of course, despite our best behavior with inevitable slip-ups, 8% of us will come down with a serious injury or illness. This is where we will need the expertise of those who have made this country the go-to place for the best care in the world. A tumor, blood disorder, cancer, diabetic complications, or a broken bone—these are instances where purchasing health insurance—affordable, high-deductible health insurance is a wise decision. More

Obamacare: Sold to the Highest Bidder

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new-logo25By  Dr. Marilyn Singleton,

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The Affordable Care Act is like the television show Storage Wars, where unclaimed items in storage lockers are auctioned off after a quick peek through the door. People bid top dollar and hope for the best. Some find a goldmine, but the unseasoned bidders usually receive a Pandora’s Box.

Let’s look at some of the winners. The Center for Public Policy, a non-partisan public interest think tank in Washington D.C., estimated that $120 million was spent lobbying for health reform. Pharmaceutical Researchers and Manufacturers of America (PhRMA) alone spent $26 million lobbying for Obamacare in 2009. And PhRMA has spent well over $100 million on ad campaigns promoting healthcare reform legislation.

Upon passage of the bill, the stocks of some of the largest health insurers, including Cigna, UnitedHealth Group,WellPoint,and Aetna climbed. Major makers of electronic health records (EHR) systems lobbied hard, locking out smaller competitors. Chicago-based Allscripts Healthcare Solutions former CEO Glen Tullman, who had served as health technology adviser to Obama’s presidential campaign in 2008, made more than $200,000 in contributions to the campaign, and was frequent guest at the White House during 2009. With some nudging from the Stimulus mandate for EHRs, annual sales of Allscripts more than doubled from $548 million in 2009 to $1.44 billion in 2012. Cerner, another software purveyor, spent $400,000 lobbying for EHR. During the same three-year period, sales rose 60 percent.

Of course, AARP’s CEO, Barry Rand, wrote that the ACA was “vital” for the nation’s seniors. This makes no sense when the ACA in fact cut a half a trillion dollars from the popular Medicare Advantage program. It seems the ACA’s passage was vital to AARP’s insurance Medi-gap insurance products – which people with Medicare Advantage do not need. More

The fleecing of America: The United States Covered Bond Act of 2011

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Marti Oakley(C) copyright 2011 All Rights Reserved

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Occasionally, amid the mountains of mindless legislation produced by those fools in congress, one or two really stellar examples of “what the hell were you thinking?” surfaces and leaves us wanting to bang our heads against the wall repeatedly out of frustration at the sheer stupidity of what is offered as necessary legislation.  Never has this been quite as extraordinary as it is in the Covered Bond Act of 2011, a bill that is intended to avoid the hassle and exposure of public debate over bailing out the criminals while leaving the country twisting in the wind.  Of course this will be supported by the full faith and credit (me & you) of the United States.

 Avery Goodman at www.seekingalpha.com makes this observation:

“So long as the Federal Reserve exists and/or other financial regulatory agencies continue to be run by a revolving door staff that moves in and out of industry and government, crony capitalism will be alive and well in America. No amount of Dodd-Frank or Volcker rule legislation will ever protect savers, taxpayers or the American people. Profits will continue to be privatized and losses socialized.”

This bill will just confirm the practice of privatizing profits while nationalizing the losses, as a legal response to criminal activity.

From the folks over at Patrick.net:

“The United States Covered Bond Act of 2011 is designed to allow bundling of any kind of debt including derivatives, into marketable securities guaranteed at full face value by the FDIC.”

Derivatives?  Weren’t those instruments the same ones that caused the near collapse of the system?  So what are they, exactly? More

WIKI-LEAKS PLANS TO RELEASE THE COMPUTERIZED CONFIDENTIAL MEDICAL RECORDS OF ALL AMERICANS

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John Wallace    Liberty News Online

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“Given the well documented inefficiency with which our federal government does anything, I think it is safe to predict that mistakes from faulty data entries, loss medical records, mis-entered ID numbers, “down” computers, could lead to drastic and life-threatening medical problems or wrong medications being given to many patients. “

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LNO: What are the American people going to do when Julian Assange of Wiki-Leaks decides, at some time in the future, to release the computerized confidential medical records of all Americans that have been obtained from a disgruntled employee of the new federal government’s central medical database? More

Social Security……A Ponzi Scheme? Maybe you should look at your insurance company.

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If I hear one more crack pot whining about Social Security being a [Ponzi scheme] I think my head will implode.  SS is a retirement fund and one totally funded by taxpaying workers.  Even to some extent by those [have mores] who only pay on a portion of their earnings as opposed to us [have nots or have less] that pay on all of our earnings.  Come retirement day even the rich guys will be lining up for the monthly Social Security check. They’ll think it’s a really good deal then and won’t say the word [Ponzi].

 

All the chronic whiners who throw old Ponzi out there as though he was some creature from hell seem not to be aware that those insurance companies that charge exorbitant rates for policies they have no intention of honoring, are modeled on the same premise as Social Security is.  Only SS actually pays as promised whereas your insurer most likely won’t unless you sue them..and then you’re not likely to win.  Now there is a refined Ponzi scheme for you: even Ponzi attempted to pay at least some of his investors back……your insurance company has no such intentions unless forced to.

 

As employees, we INVEST in SS with each and every paycheck we earn.  The federal government DOES NOT fund SS in any way.  Currently, and for the past thirty years, SS has produced a massive surplus and is currently producing about 150 billion a year beyond what it needs to pay all claims. 

 

When the government announces the yearly budget, it is immediately offset by the amount that will be stolen from SS and used for other purposes.  So, add 150 billion to the announced budget total: this will give you a more realistic total for what the government is going to spend using your money.

 

Lets look at those insurance companies. 

 

You are forced to buy insurance whether you want it or not, if you own a vehicle.  You are forced to pay extortion rates for health insurance…..or go without.  This leaves you either very sick or on welfare or just treading water until the health issues pass.

 

But what happens to those millions of premiums paid by people who have never accessed their policies or tried to, or who were informed by their insurer that for some reason their ridiculously priced policy doesn’t cover that problem they have?  What happens to those billions and billions of dollars paid in premiums year after year to companies that have no intention of paying anything but the smallest portion of claims?

 

We don’t know what happens to these accumulated premiums because they are used for anything and everything other than honoring the policies the insurance company sold.  For every $1 that is paid out on claims, $2 is spent trying to avoid legitimate claims and even with this, they still honor less than 20% of the claims made on policies.

 

In fact, we just bailed out a few biggy insurance companies that have continued to sell policies and to conduct the business of selling [insurance] after destroying the financial sector of the country with risky business ventures that we can only speculate about.  We have to speculate because they were not required to divulge just exactly where the money had gone and what exactly they had done with it.  All we know is that it wasn’t used for honoring the contracted insurance policies they sold and continue to sell.  I call this breach of contract and you should be able to sue on that premise, but try finding a judge for that one…..in fact, lots of luck even finding an attorney.

 

In fact, a fair portion of the investments we all made in Social Security just this year will go directly to bail out the biggest PONZI schemes ever devised by people who had no intention of ever making good on their promises. 

 

And this is how we come to the [unfunded liabilities] section of the federal budget.

 

  • First we tax workers on their wages for their retirement.

 

  • Then, we make the SS trust fund available to the general fund because it has and continues to produce a massive surplus each year.

 

  • We use the money stolen from workers accounts to finance wars, to cover up the massive loss of revenues from preferential treatment of the upper 3%, and to fund the day to day operations of the government that is the thief of these funds.

 

 

  • Later, we use these stolen retirement funds to bail out Wall Street, corrupt insurance companies and all of our crooked cronies who enriched themselves at the expense of the entire country

 

  • Then we start crying about SS being an [unfunded liability] because we stole so damn much money from this program, which we never had any intention of paying back, we have potentially run it into a hole.  Fearing that the worst could happen, we present this as a false scenario hoping to convince the very people we victimized when we stole their retirement investments that somewhere in the future, at a time far, far away, this retirement investment account might only be able to pay a portion of its claims.

 

Only even that last statement isn’t true. The part about them never intending to pay it back is, but the part about it being in the red in the future isn’t.  The fact is, left alone and untampered with, SS will still produce far more than it pays out.  

 

The next time someone tells you that SS is a Ponzi scheme……direct them to their insurance company and ask them to explain that one.  Then ask them what happens when and if they try to make a claim.  Ask them when the last time was that insurance premiums were seized to finance the repayment to Social Security.

 

© 2008 Marti Oakley

 

 

 

 

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