Saturday, July 27, 2013

$257,482.66 Is What Our Insurance Has Paid in 2013

$257,482.66 is what our insurance has paid out so far in 2013 for medications and medical claims with some 12 medical bills still pending. ($30,742.79 in medical claims and $226,739.87 for medications). Our issues are not insurance related, they are ALL Obamacare related. Repeal it!

Friday, July 19, 2013

Obama, Day 200 & 16.7K in OOP Medical

Oh my. Yesterday he comes out and is so darn proud of the fact that some one million Americans received an average of a $100 rebate from Obamacare. *wiping tears from my eyes*

Mr. President, shove the rebates up your ass and let's go back to the pre-obamacare days. As of today, the 200th day of the year, we have been billed $16,769.72 in out of pocket medical expenses. We've not received a rebate, but if we received the average rebate of $100 it really wouldn't do crap for us. If you add in what we have paid in premiums, that number goes to $20,789.53.  $100 doesn't make a dent!

Then he says he could have been Travon. Yes, Mr. President, you could have been Travon- he smoked pot, too. Wouldn't you more than likely be George Zimmerman since you are both half white?

Now for a break down of medical expenses - 11 bills still not in. J has met his OOP max, S has not... and the other 3 in the house have not even met our deductibles yet. Keep in mind that not all these expenses are deductible, our deductibles do not go toward our OOP max and that's why we have over $4,000 more to go before reaching our OOP max and $464 before we reach our deductible of $1950. If we made (we don't) $100,000 the first 10K could not be deducted. Subtracting the amounts we could deduct  *if* we made 100K, we could only deduct $6,431.28. Thanks Obama. thanks.

Prescriptions: $5,451.27 (does not go toward deductible/OOP)
Urinary Catheters: $468.53
Dental: $1,412.00 (does not go toward Deductible/OOP)
Oral Surgery: $1,368.00 (does not go toward deductible/OOP)
Doctor Visits: $3,577.87
MRI: $562.46
xray-u/s: $438.85
PT/OT: 25.57
Labs: $823.23 ($587.33 does not go toward deductible/OOP)
Misc: $407.64 (include orthotics, arm braces, etc does not go toward deductible/OOP)
OTC Mito Cocktail: $556.55 (does not go toward deductible/OOP)
Cincy Gas: $154.36
Cincy Hotel $638.44 (only allowed to deduct $300)
ER Visits: $570.95
Eye Care: $314.00 (does not go toward deductible/OOP)

Paid on 2012 medical in 2013: $1,453.21
Still owe on 2012 medical: $1.022.00

With the notes on the side, you can see why we have not yet met our OOP max of $7,500....... 

Tuesday, July 16, 2013

$16,066.30 in OOP Medical so far in 2013 and Unions are Pissed?

As of yesterday, we have $16,066.30 in out of pocket medical for 2013. If you count our portion of premiums - $20,161.58 so far this year. My youngest just met his OOP max...but remember none of our meds go toward anything. I believe we are on target for a $22,000 OOP year-- with premiums, we'll be at $30,000.  Nice effect of Obamacare.

Some great news articles in the news this week. The union leaders are crying over what Obamacare is doing to their health coverage. My heart does not bleed for them. Their vote for Barack Hussein Obama is destroying my family. Now that they are feeling the effects of Obamacare, they are whining- they didn't give a rip about families with sick kids before this crap law passed, did they? They were self-centered, self-righteous bleeps who only cared about their interests. Now that it isn't working out for them, they are wailing. It's your fault- deal with the consequences of your vote, you fool! See the article at this link:
Labor Unions: Obamacare Will 'Shatter' Our Health Benefits, Cause 'Nightmare Scenarios 

I laughed so hard reading what those morons wrote:

"Last Thursday, representatives of three of the nation’s largest unions fired off a letter to Harry Reid and Nancy Pelosi, warning that Obamacare would “shatter not only our hard-earned health benefits, but destroy the foundation of the 40 hour work week that is the backbone of the American middle class.”"

"“When you and the President sought our support for the Affordable Care Act,” they begin, “you pledged that if we liked the health plans we have now, we could keep them. Sadly, that promise is under threat…We have been strong supporters of the notion that all Americans should have access to quality, affordable health care. We have also been strong supporters of you. In campaign after campaign we have put boots on the ground, gone door-to-door to get out the vote, run phone banks and raised money to secure this vision. Now this vision has come back to haunt us.”"

Another LMAO portion: "“The unintended consequences of the ACA are severe,” they continue. “Perverse incentives are causing nightmare scenarios. First, the law creates an incentive for employers to keep employees’ work hours below 30 hours a week. Numerous employers have begun to cut workers’ hours to avoid this obligation, and many of them are doing so openly. The impact is two-fold: fewer hours means less pay while also losing our current health benefits.”"

The labor bosses are also unhappy, because of the way Obamacare affects multi-employer health plans. Multi-employer plans, also called Taft-Hartley plans, are health insurance benefits typically arranged between a labor union in a particular industry, such as restaurants, and small employers in that industry. About 20 million workers are covered by these plans; 800,000 of Joseph Hansen’s 1.3 million UFCW members are covered this way.
Taft-Hartley plans, they write, “have been built over decades by working men and women,” but unlike plans offered on the ACA exchanges, unionized workers will not be eligible for subsidies, because workers with employer-sponsored coverage don’t qualify."  BOO HOO Unions- suck it. You voted for this crap, now live with the consequences.

They didn't give a SH** before this law was rammed through........" The law as it stands will hurt millions of Americans’
The leaders conclude by stating that, “on behalf of the millions of working men and women we represent and the families they support, we can no longer stand silent in the face of elements of the Affordable Care Act that will destroy the very health and wellbeing of our members along with millions of other hardworking Americans.”"

 Dear Union thugs: cry me a river and go suck it. 

Monday, July 15, 2013

Doc Says, "It's the worst it's been in the 21 years I've been here."

This morning at the hospital, my sons' doctor told us that 3 doctors have left the department in the last 3 mos. This doctor said that in the 21 years he's been there things are the worst they've ever been. He says it is miserable. Horrible. This is a doctor who, over the last 15 years we have seen him, has said he is not political. When Obamacare was being debated in 2009 and 2010, he was apathetic. He said things are collapsing. Of course liberals would never want to blame Obamacare for this change.

Definitely not a conversation a mother with chronically ill kids wants to have with her children's specialist! But it is NOT Obamacare. I had a liberal friend tell me that last night. Obama inherited a broken system and he is trying to make it better...and if he'd of gone immediately to a one payer system it wouldn't be this bad. And correlation does not prove causation! So the fact that for 5 years prior to Obamacare our costs were the same and then skyrocketed after it passed means nothing. I have heard it all. Every excuse in the book to protect their lord and savior Barack Hussein Obama. More than one liberal has made these arguments. so a $131 copay for 5 years before Obamacare that is now $532 means nothing- Obamacare didn't do that and Barack is not to blame. 4 years from now, it'll still be Bush's fault.

It doesn't matter than never before have we been at close to 16K in OOP medical by the middle of the year or anything.....because correlation doesn't prove causation. My ass. My ass it doesn't.  

Thursday, July 11, 2013

SB 353 Passes in NC House

The last bill for today was SB 353 - Debate lasted 3 hours before the final vote. The bills sponsors explained the bill and then Democrats launched into the same attacks they had on Tuesday. They stood in opposition of the requirement to having a doctor physically present on the premises, a small change from having to be physically present for the procedure. They, once again, opposed any increased regulations being placed on abortion facilities. Funny to hear Democrats oppose an increase in regulations.

The first house member to object began by using the constitution to support abortion. Democrats forget that the first unalienable right, protected by the US Constitution, is the right to LIFE. Without Life, liberty and the pursuit of happiness are not possible. Without life, one cannot enjoy any other right. God does not give us, nor does the constitution protect, the right to murder another human being. SB353 doesn't limit access to abortion, it just makes it safer for women.  

Planned Parenthood is a SHAM
The pink people showed up with their Planned Parenthood t-shirts. Many brought babies. It blows my mind that they would bring their kids. What do they tell their children?  "Oh little Johnny, you know mama REALLY loves you because I didn't abort you like I did your brother. Don't you feel extra special, Johnny?" A few had on hand-painted shirts. THIS was classic. Sitting among the Planned Parenthood supporters, these people spelled out "SHAM" for quite some time.  Yes, Planned Parenthood is a SHAM!  

The most ridiculous costume goes to Super-V who thinks the world revolves around her V. This woman in pink had a gold cape with a 3-D V sew onto the cap. I shared my photos of Super-V with Sister Toldjah - you can see them on her blog: 

The bill passed this afternoon and so many of us are very thankful for the pro-life Republicans who stood up in the face of opposition and stayed strong!  Here are pictures of my pro-life friends who  showed up this morning. If you look closely at the top photo, you'll see a pink lady with a baby in a sling. 

Wednesday, July 10, 2013

Abortion Debate in North Carolina General Assembly

Me with a few friends at the NCGA yesterday
Yesterday's events deeply disturbed me. Not just reports of the filth, dead bugs, reuse of dirty surgical instruments and support of third trimester abortions. Never in my wildest dreams would I have envisioned ANYONE opposing requiring a physician to be present during a surgical procedure. The same goes for chemical abortions and safety standards. All of the opposition were opposed to the law requiring a physician to be physically present during the surgical abortion procedure and when the chemical abortion medications were administered. They opposed bringing abortion clinics up to the same standards as other ambulatory surgical clinics in the State of North Carolina. They ignored the fact that every single abortion clinic in our state has been guilty of a violation of the current standards - of course, this oversight was intentional. They believe that increasing the standards means abortion clinics will have to close. Why would a billion dollar industry have trouble maintaining standards that other surgical centers must maintain?

I've had to have D&Cs for my miscarriages--one was after a month long attempt to chemically abort our dead baby- 5 doses over a month. I thought I'd finally miscarried, but the baby was still in my womb and I needed a D&C. Had my physician not been following me, I would have assumed I'd miscarried completely and could have ended up with an infection or worse. I cannot imagine allowing a physician to give me this medication without examining me frequently. I would not have ever had any of my 3 D&Cs if the physician wasn't going to be physically present. Would any sane person allow themselves to be operated on without the attending physician present?

Women came forward yesterday and said a law requiring more physician oversight and requiring physicians to be present for the surgical procedure was horrible, wrong,and pushing our religion on them. Really? Because we care enough about the women that they be treated as if they were in any other ambulatory surgical center? Because they should, like with any other surgical procedure, be attended by a physician? We are evil because we think women should be followed more closely when given chemicals to abort their child- because this monitoring will prevent complications? Why is abortion different than any other surgical or chemical procedure? These people had the audacity to stand before us and tell us that those of us on the right wanted women to have back-alley abortions- when they are they ones who want back-alley clinic abortions without oversight. 

A man stood up in opposition. He rambled on and on trying to operationally define "physically present". For instance, he asked, "Is the parking lot 'physically present'?"  I came home and asked my 17 year old and his 16 year old friend this question: "If someone says a physician must be physically present during a surgery, what does that mean?"  They both looked at me like I was crazy and said at the same time, similar versions of,  "That he has to be  where the surgery is?"  Yes, even teenagers get what that man could not grasp.

One woman stood up and was proud of the fact that she supported third trimester abortions. Others spoke and were proud of the fact they had killed their own children. They even had the audacity to use the US Constitution saying that they had a right to have an abortion, while ignoring the fact that LIFE is the first of the unalienable rights. Without life, none of the other God-given, constitutionally protected rights are possible. 

This is the real war on women- and the Democrats are launching it. I was horrified yesterday. The cry of liberals yesterday: "Abortion on demand, without apology, without a physician present and without safety regulations." Yesterday completely blew my mind. Evil exists in this world and yesterday, I was right in the middle of it. Of course Planned Parenthood was there, the ACLU and NARAL, too. All opposed.

Monday, July 8, 2013

Obamacare Not Doing Well in the Media These Days

Do a quick search for "Obamacare" and you'll see that 99% of the news articles are negative. The following stories are the most recent I found upon Searching. Is it any wonder they have launched a propaganda campaign to tell people how good Obamacare really is for them?

  • President Barack Obama can expect mounting pressure to make new concessions on healthcare reform, especially the requirement that all Americans obtain insurance, after delaying penalties for businesses for the first year of his plan. The U.S. Treasury said late on Tuesday it would grant businesses with 50 or more workers a one-year reprieve from having to .;_ylt=A2KJ2UZ_ytpRUFYArlKPIsF_
  • Obamacare costs 58,000 Californians their Health Insurance:
  •  "Mr. Alito pointed out that young, healthy adults today spend an average of $854 a year on health care. ObamaCare would require them to buy insurance policies expected to cost roughly $5,800. The law, then, isn't just asking them to pay for 'the services that they are going to consume,' he continued. 'The mandate is forcing these people to provide a huge subsidy to the insurance companies . . . to subsidize services that will be received by somebody else.'"
  • Obamacare implementation delay no boon for hiring -DUH;_ylt=A2KJ2UZrxNpREzAA4WePIsF_
  •  "Obamacare is imposing a minimum benefit for insurance that is in excess of what many consumers purchase on their own today. And the law is imposing many new rules on what insurance companies may and may not take into account when setting premiums. There is no experience anywhere indicating that these kinds of changes will lower premiums. And there’s an abundance of evidence from state experiments indicating that these changes will increase premiums, and probably quite substantially."
  • 12 Ways Which Obamacare has Failed Thus Far
  •  Signs of ObamaCare's failings mount daily, including soaring insurance costs, looming provider shortages and inadequate insurance exchanges. Yet the law's most disturbing feature may be the Independent Payment Advisory Board. The IPAB, sometimes called a "death panel," threatens both the Medicare program and the Constitution's separation of powers. At a time when many Americans have been unsettled by abuses at the Internal Revenue Service and Justice Department, the introduction of a powerful and largely unaccountable board into health care merits special scrutiny.
  • "More than 40 percent of small businesses have frozen hiring because of Obamacare, according to a new poll from Gallup. A fifth have actually cut their workforces as a direct result of the healthcare reform law. That’s not exactly the future President Obama forecast in 2009, when he told an audience of small-business owners that his healthcare reform = package was “being written with the interests of Americans like you and your employees in mind.” He boasted that he had “no doubt [the law] would benefit millions of small businesses.” 
  •  BOOM! ""Obamacare continues to fall short of the lofty predictions about it — and here are two new charts to prove it. The charts, included as part of a Congressional Budget Office (CBO) presentation over the weekend, summarize the CBO’s cost estimates of the law in the three years since its passage. The charts show that in every instance, the CBO’s estimate of the number of uninsured has risen, as has the number of workers who will lose coverage under their existing employer plans:"
  •  Well, DUH!!!!!!!!! "Delaying the Obamacare employer mandate has simply put off rules business had already started adjusting to.Under the Affordable Care Act, companies with 50-plus full-time employees must start offering them health insurance or face stiff penalties. The employer mandate had been set to kick in January 2014, but was pushed back a year. "
  •  "The change has allowed Massachusetts to raise its Medicare payout by $257 million, forcing cuts to hospitals in 40 other states. The National Rural Health Association and 20 state hospital associations in January sent a panicked letter to President Obama, noting that the Massachusetts manipulation of the program would hand that state $3.5 billion over the next 10 years at the expense of Medicare beneficiaries everywhere. They quoted Mr. Obama's former head of the Centers for Medicare and Medicaid Services, Donald Berwick, admitting that 'What Massachusetts gets comes from everybody else.'"
  • 10 Obamacare fumbles:
  •  That's the trifecta of obfuscation, and the reason is easily explained. Montana Democratic U.S. Sen. Max Baucus, who voted for Obamacare, has described the bill and its implementation as a "train wreck." Now Obama's announcement has confirmed that the White House not only is having a terrible time implementing the massive changes mandated by Obamacare but fears the political consequences that could come into play in November 2014. In other words, it's the worst of all possible situations — bad policy and bad politics. In an effort to avoid double-trouble, President Obama, through his minion, temporarily pulled the plug on the employer mandate — the requirement that companies with 50 or more employees must pay a $2,000 per employee penalty if they do not provide health insurance that meets Obama's specifications.In Obamaworld, the mandate makes perfect sense — just order it and thy will be done.In the real world, it poses problems — one of the biggest being that employers who can't afford either employee health insurance or the $2,000 per employee penalty pursue legal efforts to avoid it.
  •  If you thought the delay in the employer mandate was bad news for Obamacare, just wait. On Friday, Sarah Kliff and Sandhya Somashekhar of the Washington Post discovered that the Obama administration had buried in the Federal Register the announcement that the government won’t be able to verify whether or not applicants for Obamacare’s insurance exchange subsidies are actually qualified for the aid, in the 16 states that are setting up their own exchanges. Instead, until at least 2015, these states will be able to “accept the applicant’s attestation [regarding eligibility] without further verification.”
  •  "For years I have been writing about the failures of the United Kingdom’s National Health Service as a warning for what the Affordable Care Act will do to health care here in the U.S. London’s Daily Mail has chronicled the problems with the NHS, which include declining quality of care and availability of services coupled with increased costs. This is what is in store for us, if Congress does not repeal Obamacare."
  •  "Ohio Department of Insurance officials announced last week that average premiums in the Buckeye state would soar 88 percent once President Obama's health care law kicks in. The news added fuel to an already raging debate over Obamacare's effect on insurance costs. Ohio's insurance department disclosed that a total of 14 insurance companies had proposed rates on 214 plans to be offered through the federally run insurance exchange set to open on Oct. 1 and begin providing benefits in January."
  •  "The main focus of our analysis is assessing access to primary-care physicians under the health-care law. The reason for this focus is twofold: first, we already know that we will be facing a primary-care shortage in the coming years, so understanding the role that Obamacare plays in affecting the shortage is important; second, much of the law was motivated by the argument that expanding access to inexpensive (or free) preventive care and primary care physicians would ultimately bend the curve of health-care spending."
  •  "The High Cost Plan Excise Tax, which is often referred to as the 'Cadillac Tax' is one of the revenue raising provisions in the 2010 Patient Protection and Affordable Care Act. The excise tax is calculated by comparing the cost of an employer-sponsored plan (which includes premiums paid by the employer and/or employee as well as any contributions into health accounts such as health savings accounts of flex savings accounts) to a benchmark, which will be adjusted every year based on the Consumer Product Index (CPI). Any amount above the benchmark is taxed at 40 percent; this tax is levied on the health insurance company but is generally understood to be passed onto the consumer, or firm purchasing that plan." See this PDF for more info:
  •  "Whatever the reason for the reluctance of the state created exchanges to include private business participants, the end result is that taxpayers will spend millions of dollars unnecessarily while fewer people are likely to be enrolled in qualified health insurance programs—and that is just wrong."
  • Doctors will have to take pay cuts to make Obamacare work. Let's just pay them minimum wage. They come out of medical school with huge loans to pay off, but screw them....and who cares if we place our lives in their hands. How dare they make lots of money! Let's have poor, unhappy doctors doing our/our kids' neurosurgeries and life saving operations. Let's have poor, unhappy people determining how to make us healthier..... "For Obamacare to succeed, American doctors need to earn less money.Last week, Washington took a step in that direction. One of Medicare’s influential advisory boards recommended that payment rates to providers be sanded down."
  •  Hollywood loopholes? ""The entertainment industry is already having difficulty determining whether employees can be considered full-time or part-time and is fearful of the fines it will face if it chooses incorrectly. Another issue the health law creates is the outsourcing of productions to foreign countries, since Obamacare's regulations and fines don't apply to US citizens abroad. Studios may find it much cheaper to film in another country and avoid the burden of Obamacare."
  •  all of Obama's lies about Obamacare in a 3 minute montage: Obama is a lying sack of donkey dung.

14.5K in OOP Medical & Still Have Not Reached Deductible or OOP Max

Isn't is fantastic that we already have over $14,500 in OOP medical with 13 bills still not in.... but still have not met our deductible or OOP Max. It's thanks to ‎#obamacare increasing everything from costs, premiums and our deductible and OOP amounts. Barack Hussein Obama IS the worst president ever.

 This has been the worst year since Obamacare passed. We've never been at $14,500 this early in the year -- and certainly never been at 14.5 K without meeting out deductibles and OOPs since they went up last year...... this has been a bad year and we still have the wrist surgery-- which may not happen until next year and then we will be even more screwed... and this does not include all of our Cincy bills...... Cincy is a very small part of the 14.5K total so far.
**the 14.5K does not include what we pay for premiums-- that would make me vomit

Below: Medical bills we've paid in 2013. On the left paid with Flex. On the right paid with cash and credit. Sure looks like the drop in flex worked out for us, eh? :sarcastic font:


Thursday, July 4, 2013

14K in OOP Medical #Obamacare Failure

More medical bills (it's all electronic) came in this morning and we are now over the 14K mark in out of pocket medical for 2013 ($14,188.46). Tell me again how Obamacare is helping us by raising the costs of everything (actual costs, ins premiums, copays, OOPs) while decreasing the amount we can deduct, decreasing our flex spending and increasing our taxes? I'd to hear the liberals who keep saying how wonderful Obamacare is tell me why the destruction of my family's finances works for us and the *common good*. 
**This 14K doesn't include what we pay in insurance premiums. 

Once I get all the bills in from our recent Cincy trip, I'll post a breakdown of expenses. 

Wednesday, July 3, 2013

Obama's Lies on Obamacare in 3 Minute Montage

All of Obama's lies about Obamacare in a 3 minute montage: Obama is a lying sack of donkey dung. Thanks to my friend Deb for pointing this out and posting on her site.

We continue to keep working on full repeal.