Facebook Posting Does Double Duty On This Healthcare Blog

Healthandmedicareinsurance.com followers – I spent enough time responding to the left on my facebook posting – I thought the effort could serve double duty on this blog.
***************************************************************************************************
Before preparing for my trip, I would first like to respond to Kathy: No, I won’t be lobbying for an expansion of Medicaid in Indiana (or any other state for that matter) that has not already expanded it beyond 100% of the Federal Poverty Level. If Medicaid were expanded, it would be to include individuals up to and including those with an income of 133% of the FPL or a maximum income of $15,521 for 2014. Deserving or not aside – while these individuals currently do not qualify for Medicaid in Indiana or Texas – THEY DO qualify for a subsidy of approximately 88% of their health insurance premium. If they elect the plan recommended by the Department of Health and Human Services (“benchmark” plan) it will be the second lowest cost Silver Plan in their area. They are required to pay no more than $40.41 per month. No, I don’t feel sorry for them. They are certainly already receiving food stamps and government subsidized housing and Medicaid is already in financial trouble in most states without further expansion. (Of course I am aware financial feasibility and a balanced state or federal budget is not your concern.)

The person I feel sorry for is the poor working stiff who is making in the $50 – $60,000 dollar range and actually earning his or her income. They don’t qualify a health insurance premium subsidy. (Food stamps I’m not certain of because our government has made those available to virtually everyone including illegal aliens.) Because this responsible working person doesn’t qualify for a subsidy, they will be forced to pay 100% of the Silver plan premium–with an average annual cost of $4,113–entirely on their own. That amounts to 8% of their annual income (at $50k) before taxes which the entitlement person isn’t paying! That’s the person I feel sorry for! Then try providing them with a plan that has their doctor in the network and the benefits they would really like and their cost and that percentage soars! In summation – you keep lobbying for the entitlement class; I’ll keep lobbying for the working American.

Now to address Scott: Glad to see you are finally making a prediction which I feel is pretty much on target. As I’m the one on the front line signing people up for Obamacare, no one knows better the “adverse selection” (bad risk disproportionately selected for participation) than I. But I remember a few of my predictions you tried to dismiss. First – I said Barrack Obama would be elected in 2008. You said, “no”. In 2010 – I said the Patient Protection and Affordable Care Act (PPACA or ACA for short) would pass. You said, “no way!”. Then, in June of 2012 – I said the Supreme Court is going to find a way to uphold the ACA as “constitutional”. You said, “not to worry!” God! I hate being right. (Almost as much as you hate being wrong!)
Anyway, I’m glad you are finally smelling the coffee which probably got to a stench with your latest health insurance premium increase. And, as such, this begs many questions – two of which I will address at this point:

(1) If the federal government cannot build a functional website, to insure the estimated 30 million uninsured, with 3 years lead time – How long is it going to take them to transition us to a “Medicare like” social welfare health insurance program that insures all 300 million plus Americans. And . . .

(2) If Social Security is on track to insolvency and Medicare is predicted to be insolvent by 2023 (nine years from now, people) – how the hell are they going to finance and subsidize healthcare for everyone? Redistribution. Because it wasn’t fair you’ve been so successful, Scott.

In my next blog post, I will address what I see as the specifics of why these things regarding the ACA are destined to transpire. In the meantime, I’m still going to Washington because the one thing we do know is – the person that never gets in the ring has already lost. The real issues I would like to confront our elected officials with are my suggestions for workable healthcare reform which guarantees coverage for pre-existing conditions while being financially responsible and feasible; term limits (I know, I know – when hell freezes over); amnesty and targeting of conservative groups by the IRS. I know they’ll try to get me back on point (theirs) – but not until I’ve made them say, “next question!”

ALL PLAN MED QUOTE AND CLIENTS TO BE REPRESENTED IN WASHINGTON, D.C. NEXT WEEK

ALL PLAN MED AND LIFE LOGO (2)

Not content to sit passively on the side lines while Washington dictates to him, his clients and fellow citizens – Kenton Henry, agent, owner of Allplanhealthinsurance.com in The Woodlands, will voices his–and your–concerns  in our nation’s Capitol.

KENTONSBUSINESSWEBPHOTO

*******************************************************************

Trusted friends and clients:

It is my privilege to soon be attending the annual legislative conference for my professional association, the National Association of Health Underwriters, from February 24-26 in Washington, D.C. Representing influential professionals in my industry, I will take this opportunity to present meaningful solutions to our national policymakers to improve the cost and quality of health insurance while reducing the burdens the Patient Protection and Affordable Care Act has placed on businesses and individuals across the United States.

As the regulations and requirements of the health reform law continue to evolve, it is extremely important that our representatives in Washington, D.C., hear what is going on with you; your families; employers and employees. Our representatives on Capitol Hill need to hear a common-sense perspective from the average citizen’s point of view along with consumer inspired solutions. I will attend meetings on Capitol Hill with Senators, Representatives and their staff and would be happy to pass along any thoughts about health reform you, my valued friends and clients, may have. I have requested an appointment with Texas District 8 Congressman Kevin Brady, among others.  Please contact me at Quote@Allplaninsurance.com to share your message with them. Share with me your greatest problems and concerns with health care and health insurance and what solutions you may have in mind. I promise your story will be told and commit to being your voice among those who represent us.

In addition to talking to our elected representatives, I will be attending educational sessions about benefit and policy trends that will include:

• Key briefings from the national policy staff and association leadership.
• Panel discussions on health cost transparency, innovations in coverage and delivery systems, and policy trends relative to cost containment.
• Updates on the latest developments regarding the new health insurance marketplaces (exchanges).
• Presentations from congressional and Administration health policy leaders including updates about potential changes to the law and new evolving regulatory guidance.
• A session about using the political dynamics of healthcare to transform business.
• Breakout meetings that will cover innovative solutions to address the employer reporting requirements, shared responsibility requirements, self-funding options in a reformed health system, private and public exchanges, small group market trends and much more!

The future of healthcare reform is ever changing and the impact of this law will affect us all in many different ways across the country. I believe that my voice and your voice truly do make a difference. I look forward to sharing our stories as I lobby on Capitol Hill. Upon my return, I will share with you what I hope will be encouraging news of coming improvements to the present state of healthcare and health insurance in Texas and the rest of America.

Sincerely,
D. Kenton Henry

The Foxes Long Ago Took Over the Hen House

08.06.2013
Last Friday, the President met behind closed doors with Congress to grant they and their staff (who have incomes of $100,000 or more) a waiver from paying for participation in health insurance exchanges. Supposedly, 75% of their premium will be paid by us – regardless of their income.You already knew he had reserved the right to grant waivers to unions and donor corporations, correct? And he has done that over 1,200 times to date. Well now he has done it for our employees who ultimately determine their own salaries and benefits. News of this was not released until they had left town under cover of darkness for their month long recess.
It is anticipated this special dispensation will be formally acknowledged next week by President Obama’s Office of Personnel Management (OPM)–one in the same as the federal government’s H.R. department–which is charged with administering federal benefits within the government.

For a succinct and cogent summation of what the unintended consequences of full Affordable Care Act implementation mean to the quality of our nation’s health care, please view this video of Michigan’ Congressman Rodgers as he makes his opening statement to the Chair on health care reform:

http://safeshare.tv/w/zwhKdMtFHf
Admin. – Kenton Henry
****************************************************************
Feature Article

Grassfire

08.05.2013

Moments before shuttering Capitol Hill for a month-long recess, Congress exempted 11,000 members and staff from ObamaCare. News of Friday’s last-minute deal making is especially frustrating since part of ObamaCare’s original sell to the American people was that lawmakers and aides had to use the plan.
According to The Wall Street Journal, both parties went ballistic when they learned staff would incur dramatically higher healthcare costs. “Democrats in particular, begged for help,” and President Obama leapt into action telling them in a closed-door meeting that “he would personally moonlight as H.R. manager and resolve the issue.”

He did … for Congress.

“A behind-closed-doors deal announced after Congress is safely away from the crime scene. This is exactly why America rightly hates Washington,” charged Sen. David Vitter (R-LA) in a press release posted on his official website. “Obamacare’s a train wreck, even for Congress. So it gets fixed … FOR CONGRESS ONLY” (emphasis in original).
Vitter is right. All Americans should be extended the same “resolution” that Congress is getting.

But with Congress safely tucked away in their districts, the countdown continues for the “less fortunate” Americans who, on October 1, start enrolling in ObamaCare.

* Congress returns on Monday, August 9

Obama About To Do Another Side-Step?

08.01.2013
Obama About To Do Another Side-Step?
Op-Ed

Do you remember when the snidely Governor of Texas, played by actor Charles Durning, in the movie, The Best Little Whorehouse in Texas, croon’s …
” Ooh … I love to dance the little sidestep / Now they see me, now they don’t / I’ve come and gone / And ooh, I love to sweep around a wide step / Cut a little swath / And lead the people on!”?
This is exactly the image I have of the President so often but–most recently this morning–on hearing his plans to meet again with the federal Office of Personnel Management. The purpose will be to address their concerns about being forced to abandon their Cadillac federal health plans to enter the Federal Health Insurance Exchange like so many of the rest of us. While this mandate became law when the Senate surprisingly went along with the House vote to do so – now that the time for them to enroll in the exchange is rapidly approaching – they are beginning to balk. (I guess they didn’t read the bill till it was passed!) Now it seems they would like, at the very least, for their premiums to be subsidized by the taxpayers to the tune of (a minimum) 75% as is currently the case. This in-spite of the fact that low paid interns and aides can apply for a regular subsidy (just like you and I) while Rank and File Senators and Representatives receive $174,00 in annual salary; Senate Majority and Minority Leaders $193,400; and The Speaker of the House $223,500. Doesn’t your heart just bleed for them?
Rumor has it the President has promised to see what he can do about it and meet with them again soon. Hence, I hear the words …
” Ooh I love to dance a little sidestep, now they see me now they don’t-I’ve come and gone and, ooh I love to sweep around the wide step, cut a little swathe and lead the people on.
I’m a poor boy, come to greatness. So, it follows that I cannot tell a lie.”
Admin. – Kenton Henry
****************************************************************
FEATURED ARTICLE:

POLITICOPro
Lawmakers, aides may get Obamacare exemption
By JOHN BRESNAHAN and JAKE SHERMAN | 4/24/13 9:49 PM EDT
Congressional leaders in both parties are engaged in high-level, confidential talks about exempting lawmakers and Capitol Hill aides from the insurance exchanges they are mandated to join as part of President Barack Obama’s health care overhaul, sources in both parties said.
The talks — which involve Senate Majority Leader Harry Reid (D-Nev.), House Speaker John Boehner (R-Ohio), the Obama administration and other top lawmakers — are extraordinarily sensitive, with both sides acutely aware of the potential for political fallout from giving carve-outs from the hugely controversial law to 535 lawmakers and thousands of their aides. Discussions have stretched out for months, sources said.
A source close to the talks says: “Everyone has to hold hands on this and jump, or nothing is going to get done.”
Yet if Capitol Hill leaders move forward with the plan, they risk being dubbed hypocrites by their political rivals and the American public. By removing themselves from a key Obamacare component, lawmakers and aides would be held to a different standard than the people who put them and aides would be held to a different standard than the people who put them in office.

Democrats, in particular, would take a public hammering as the traditional boosters of Obamacare. Republicans would undoubtedly attempt to shred them over any attempt to escape coverage by it, unless Boehner and Senate Minority Leader Mitch McConnell (R-Ky.) give Democrats cover by backing it.
There is concern in some quarters that the provision requiring lawmakers and staffers to join the exchanges, if it isn’t revised, could lead to a “brain drain” on Capitol Hill, as several sources close to the talks put it.
The problem stems from whether members and aides set to enter the exchanges would have their health insurance premiums subsidized by their employer — in this case, the federal government. If not, aides and lawmakers in both parties fear that staffers — especially low-paid junior aides — could be hit with thousands of dollars in new health care costs, prompting them to seek jobs elsewhere. Older, more senior staffers could also retire or jump to the private sector rather than face a big financial penalty.
Plus, lawmakers — especially those with long careers in public service and smaller bank accounts — are also concerned about the hit to their own wallets.
House Minority Whip Steny Hoyer (D-Md.) is worried about the provision. The No. 2 House Democrat has personally raised the issue with Boehner and other party leaders, sources said.
“Mr. Hoyer is looking at this policy, like all other policies in the Affordable Care Act, to ensure they’re being implemented in a way that’s workable for everyone, including members and staff,” said Katie Grant, Hoyer’s communications director.
Several proposals have been submitted to the Office of Personnel Management, which will administer the benefits. One proposal exempts lawmakers and aides; the other exempts aides alone.
When asked about the high-level bipartisan talks, Michael Steel, a Boehner spokesman, said: “The speaker’s objective is to spare the entire country from the ravages of the president’s health care law. He is approached daily by American citizens, including members of Congress and staff, who want to be freed from its mandates. If the speaker has the opportunity to save anyone from Obamacare, he will.”
Reid’s office declined to comment about the bipartisan talks.
However, the idea of exempting lawmakers and aides from the exchanges has its detractors, including Rep. Henry Waxman (D-Calif.), a key Obamacare architect. Waxman thinks there is confusion about the content of the law. The Affordable Care Act, he said, mandates that the federal government will still subsidize and provide health plans obtained in the exchange. There will be no additional cost to lawmakers and Hill aides, he contends.