2013년 12월 3일 화요일

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If               Republicans               were               confronted               with               the               facts               and               they               answered               honestly,               I               feel               certain               it               would               become               clear               to               objective               thinkers               that               the               interest               of               the               general               public               are               not               what               occupies               their               time.

This               isn't               intended               to               demonize               them;               it's               just               to               point               out               an               obvious               reality               in               contemporary               U.S.

politics.

Both               Party's               names               give               a               bit               of               a               clue               on               how               their               leaders               might               be               inclined               to               pursue               goals               related               to               critical               social               issues.

Democrats,               a               derivative               name               of               government               set               up               by               the               Greeks               ages               ago               whereby               each               individual               within               the               society               had               an               actual               say               in               the               issues,               tend               to               focus               on               a               collective               need               of               the               people.

Republicans,               also               originating               within               Greek               culture               as               a               representative               form               of               government               where               people               would               elect               someone               to               stand               in               for               them               on               the               issues               (much               like               we               have               today               in               America)               tend               to               focus               on               a               more               powerful,               yet               smaller               constituency.

Clearly               I               take               license               with               this               bit               of               word               play,               but               you               get               my               drift.
               Democrats               are               not               innocent               of               pursuing               their               own               self-interest               over               real               constituent               needs               or               aligning               themselves               with               corporate               interests.

And               though               it               may               not               seem               clear               to               some               that               voting               with               the               interests               of               a               select               few               from               time               to               time               can               ultimately               benefit               the               larger               population,               it               IS               clear               that               a               recurrent               and               often               unabashed               pattern               of               doing               this               has               developed               within               the               ranks               of               the               Republican               party.

Many               during               the               Bush/Cheney               years               followed               the               lead               of               Grover               Norquist               that               sought               to               shrink               the               roll               of               government               to               a               point               where               the               private               sector               could               take               over,               replacing               government               agencies               answerable               to               the               people               with               corporate               boards               rooms               answerable               only               to               their               stock               holders.
               The               Democratic               Party               of               today               evolved               from               the               principles               found               within               Jeffersonian               and               Jacksonian               politics.

Both               of               these               political               views               sympathized               with               and               expanded               the               role               in               politics               of               working               class               people               as               our               country               developed               in               its               early               years.

Within               the               contemporary               Republican               Party               we               see               vintages               of               the               Hamiltonian               Federalists               who               often               aligned               themselves               with               financial               institutions               and               the               aristocracy.

In               fact,               it               is               not               uncommon               for               many               within               the               ultra-conservative               factions               of               the               Republican               Party               today               to               refer               back               to               the               Federalist               Papers,               of               which               more               than               half               are               attributed               to               Alexander               Hamilton,               to               define               the               role               of               government               and               interpretations               of               the               Constitution.
               The               concepts               of               personal               liberty               within               each               framework,               Democrat               and               Republican,               are               postulated               in               accordance               with               these               earlier               perspectives.

It               comes               as               no               surprise               then               that               corporations               were               first               defined               as               "natural               persons"               by               a               Republican               appointee               to               the               Supreme               Court,               Chief               Justice               Morrison               Waite               in               the               case               of               Santa               Clara               County               v.

Southern               Pacific               Railroad               Company               (1).Corporate               "personhood"               has               since               been               enhanced               by               Republican-appointed               justices               in               the               recent               Citizens               United               v.

FECcase.
               Holding               the               views               that               they               do,               Republicans               are               more               willing               to               trust               what               fellow               Federalist               James               Madison               referred               to               as               a               "select               ..

portion               of               enlightened               citizens",               but               often               are               guilty               of               attributing               a               wisdom               and               virtue               to               this               select               group               that               omits               the               human               weaknesses               of               "lesser               men".

Over               the               decades               and               nearly               two               centuries               since               these               ideas               were               first               communicated,               a               conservatism               has               evolved               that               throws               its               weight               behind               the               well               healed               establishment               of               commerce               and               their               financial               supporters.

This               association               has               become               so               natural               in               its               course               that               Republicans               often               seem               oblivious               to               it.
               A               clear               example               of               this               is               the               Republican               and               Senate               minority               leaders               who               have               continuously               and               openly               stated               the               misconception               that               "the               American               people               have               spoken.

They               oppose               government-run               health               care."(2)               In               light               of               the               fact               that               polls               show               quite               the               contrary               (3)               and               that               Republicans               have               less               support               than               do               President               Obama               and               the               Democrats               on               nearly               all               critical               domestic               and               foreign               issues,               including               how               to               deal               with               terrorism,               one               can               only               assume               that               Rep.

John               Boehner               and               Senator               Mitch               McConnell               are               referencing               the               sentiments               of               another               constituency               of               theirs;               in               this               specific               regard,               the               health               insurance               industry.
               If               we               take               a               close               look               at               their               arguments               that               oppose               universal               health               care               for               Americans               we               see               the               underlying               values               of               corporate               interests,               disguised               as               virtuous               capitalism.

Of               their               4               "common               sense               solutions"               stated               on               their               web-site               (2)               all               are               mere               iterations               of               simplistic               options               that               offer               no               real               guidelines               or               concrete               actions               to               reduce               the               growing               number               of               people               who               are               without               health               care               coverage.

For               example,               solution               #3               suggests,               though               extremely               vague,               that               states               be               given               "the               tools               to               create               their               own               innovative               reforms               that               lower               health               care               costs."
               Where               this               would               allow               the               governors               and               legislatures               genuinely               concerned               with               needed               health               care               reform               in               their               states,               it               would               do               nothing               in               states               like               Texas               where               the               governor               has               assured               voters               that               he               will               oppose               any               federal               funding               that               would               pull               his               state               out               of               the               bottom               ranking               where               people               are               not               covered               with               health               insurance.

According               to               the               grassroots               coalition               Health               Care               For               All               Texas,               one               in               four               Texans               are               uninsured.

"Only               35%               of               small               businesses               in               Texas               offer               health               insurance,               and               only               43%               of               their               full               time               employees               are               enrolled.

Fewer               than               half               of               all               Texans               get               their               health               insurance               through               an               employer."(4)
               Whereas               Democrats               favor               legislation               that               ends               discriminatory               practices               within               the               insurance               industry               that               refuses               coverage               based               on               pre-existing               conditions               and               terminating               policies               bought               in               good               faith               because               physician-ordered               treatments               or               procedures               are               deemed               "unnecessary"               by               insurance               industry               bureaucrats,               Republicans               are               strangely               silent.

Nor               do               we               see               any               efforts               on               the               part               of               conservative               Republicans               to               admonish               health               insurance               companies               when               they               raise               premiums               beyond               inflation               rates               or               seek               higher               medical               loss               (ML)               ratios               on               their               profit               reports.

ML               ratios               reflect               the               percentage               of               insurance               premium               revenues               that               pay               for               medical               services.
               What               we               have               seen               are               large               campaign               contributions               from               health               insurers               and               drug               makers               to               Republicans               who               oppose               health               care               reform.

Recent               data               showed               that               "the               biggest               beneficiaries               in               the               Senate               included               John               McCain               (R-Ariz.),               with               $546,000;               Minority               Leader               Mitch               McConnelly               (R-Ky.),               with               $425,000               and               [i]n               the               House,               the               two               groups               gave               $257,000               to               Minority               leader               John               Boehner               (R-Ohio)               and               $249,000               to               Minority               Whip               Eric               Cantor               (R-Va.)."               (5)Though               these               lobbying               groups               have               a               practice               of               contributing               to               any               in               political               power,               be               it               Democrat               or               Republican,               only               the               Republicans               have               failed               to               advance               health               care               reform               when               they               were               in               control               of               influential               House               and               Senate               seats.
               The               writing               is               on               the               wall,               as               they               say,               for               any               who               want               to               read               it.

The               feigned               interest               Republicans               are               now               displaying               about               wanting               to               address               the               rising               costs               of               health               care               are               the               result               of               Democratic               efforts,               headed               by               the               President,               to               effect               necessary               change               here.

Republican               efforts               are               not               intended               to               correct               a               wrong               they               have               over-looked               throughout               their               history,               but               to               do               what               ever               they               need               to               in               their               continued               support               of               the               corporate               constituency               they               have               come               to               represent               in               all               things.
               SOURCES:
               (1)               -               http://ratical.com/corporations/SCvSPR1886.html
               (2)               -               http://www.gop.gov/solutions/healthcare
               (3)               -               http://www.pollingreport.com/health.htm
               (4)               -               http://www.healthcareforalltexas.org/
               (5)               -               http://www.washingtonpost.com/wp-dyn/content/article/2009/03/07/AR2009030701748.html






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    2013년 12월 2일 월요일

    About 'united healthcare insurance'|Can Employers And Patients Trust Healthcare Insurance Companies Part 1







    About 'united healthcare insurance'|Can Employers And Patients Trust Healthcare Insurance Companies Part 1









                   There               it               was:               a               letter               from               my               insurance               company               explaining               that               because               of               the               Affordable               Healthcare               Law               they               had               to               refund               some               of               our               premium               payments.
                   Because               of               the               law               our               insurance               company's               letter               stated:               "The               Affordable               Care               Act               requires….to               issue               a               refund               to               you               if               …does               not               spend               a               least               80%               of               the               premiums               it               receives               on               health               care               services…No               more               than               20%               of               premiums               maybe               be               spent               on               administrative               cost               such               as               salaries,               sales               and               advertising."
                   Finding               affordable               healthcare               for               my               wife               and               me               in               the               US               became               cost               prohibitive               once               we               retired.

    We               decided               to               retire               to               the               country               of               Panama               where               it               appears               everyone               has               access               to               affordable               hospitals               and               doctors.

    As               we               traveled               abroad               and               throughout               Europe               and               Canada               it               was               only               the               Americans               who               were               quarreling               over               government               regulated               healthcare.
                   We               fought               hard               for               the               healthcare               act               in               the               States               by               writing               to               several               of               our               representatives               in               Congress               and               the               Senate.

    As               a               retiree               with               high               blood               pressure,               an               preexisting               health               condition,               not               only               was               health               care               unaffordable               but               I               was               denied               by               several               healthcare               providers               for               my               condition.
                   Then               the               Affordable               Healthcare               bill               was               passed.

    My               wife               and               I               were               elated.

    Finally               we               would               be               able               to               participate               in               a               health               program               inside               the               United               States               although               some               of               the               provisions               would               not               take               effect               until               2014.

    Previously,               all               our               medical               needs               were               being               taken               care               of               in               Panama               by               our               doctor               who               was               trained               in               the               States.



                   I               got               my               check               from               our               healthcare               insurance               company
                   I               can't               remember               the               last               time               I               got               any               type               of               reimbursement               from               a               healthcare               provider.

    So,               when               I               saw               the               letter               from               our               carrier,               I               had               to               read               it               twice               and               then               give               it               to               my               wife               so               she               could               read               it.

    Just               when               we               were               about               to               give               up               on               the               Affordable               Healthcare               Law               and               President               Obama's               policies,               we               took               our               check               and               deposited               it               in               our               bank               account               and               wrote               a               "Thank               You"               letter               to               the               President.






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    1. texashealthpro.wordpress.com/   05/18/2010
      ...have children with pre-existing conditions. Effective yesterday United HealthCare Insurance AKA Golden Rule or United Health One escalated a provision in ObamaCare...
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      ... us into their sales machine. When old farts like me buy United Healthcare health insurance through AARP, those wonderful folks at AARP get a piece of the action. That...
    3. ducknetweb.blogspot.com/   01/15/2013
      ...about what buying insurance can’t be more like..., and United has a bank come...profit. United Healthcare Negotiated...
    4. texashealthpro.wordpress.com/   11/24/2008
      Golden Rule Insurance Company, which is... by industry giant United HealthCare , changed ... the Texas health insurance broker the choice of ...
    5. stanleyfeldmdmace.typepad.com/   08/29/2007
      ... competitive. United Healthcare bought the Golden Rule Insurance Company. It immediately...should boycott United Healthcare. Another insurance company would get...
    6. ducknetweb.blogspot.com/   06/15/2013
      ... to assemble in groups to settle unfair insurance practices. United Healthcare Referral Algorithms Not Working Well With...
    7. yahoobizz.blogspot.com/   08/17/2011
      ...if you have the terrible luck to be covered by United Healthcare. This United Healthcare Car Insurance Review will review United Healthcare, which sells health insurance. Its ...
    8. stanleyfeldmdmace.typepad.com/repairing_the_healthcare_/   08/29/2007
      ...order to repair the healthcare system by being competitive. United Healthcare bought the Golden Rule Insurance Company. It immediately destroyed Golden Rule’s medical...
    9. queerstuff.wordpress.com/   08/09/2009
      ... truly a convenient ally for the fear-mongering health insurance industry! Here is an obvious example of how healthcare reform and the LGBT struggle are interconnected...
    10. bibliophagus.blogspot.com/   08/28/2007
      ...the prices people pay for insurance and healthcare costs, the percentage of annual...inflation, etc. ( Statistical Abstract of the United States .) I have a citation...
    11. United Healthcare Insurance - Blog Homepage Results

      ...so did the United States of...Until we deny healthcare to all the poor people...whatever the whimsical insurance companies...
      ...as a “women’s healthcare” issue and correctly ...attack on the Constitution of the United States, the president...” would now “force insurance companies to pay...
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    2013년 12월 1일 일요일

    About 'united healthcare dental'|National healthcare







    About 'united healthcare dental'|National healthcare








    We               are               now               checking               out               the               various               options               for               people               65               and               over               who               qualify               for               Medicare.

    Len               has               been               with               Humana,               Quality               Health               Plans,               and               back               to               Humana               for               the               past               9               years.

    However,               from               November               15th               to               the               end               of               the               year               people               are               signing               up               for               the               2008               plans               and               these               are               being               presented               at               local               restaurants.
                   AARP               Medicare               Complete               provided               through               SecureHorizons               sent               us               an               invitation               to               attend               a               seminar.

    When               we               arrived               today               we               found               out               that               it               was               for               United               Healthcare.

    We               also               plan               on               looking               at               the               Freedom               Health               Plan,               Optimum               HealthCare               Plan,               and               Wellcare.

    We               will               also               go               for               an               up-date               on               Humana               to               ensure               that               we               are               getting               the               best               deal.
                   You               may               wonder               why               we               are               going               to               so               many               but               Medicare               give               these               companies               the               money               they               would               spend               on               our               health               services               and               they               can               utilize               it               how               they               wish.

    They               have               to               give               you               the               minimum               that               Medicare               does               but               then               you               have               to               way               up               the               other               benefits.

    Each               company               varies               considerably.
                   Most               have               no               premium               apart               from               the               $93.50               that               is               taken               out               of               your               social               security               for               Part               B.

    Some               companies               even               give               you               back               that               $93.50               or               a               portion               of               it.

    These               companies               then               charge               you               more               for               your               co-payments               or               drugs.
                   All               companies               offer               you:
                   Inpatient               Hospital               Care.
                   Inpatient               Mental               Health               Care.
                   Skilled               Nursing               Facility.
                   Home               Health               Care.
                   Hospice.
                   Doctor               Office               Visits.
                   Chiropractic               Services.
                   Podiatry               Services.
                   Outpatient               Mental               Health               Care.
                   Outpatient               Substance               Abuse               Care.
                   Outpatient               Services/Surgery.
                   Ambulance               Services.
                   Emergency               Care.
                   Urgently               Needed               Care.
                   Outpatient               Rehabilitation               Services.
                   Durable               Medical               Equipment.
                   Prosthetic               Devices.
                   Diabetes               Self-Monitoring               Training,               Nutrition               Therapy               and               Supplies.
                   Diagnostic               Tests,               X-Rays,               and               Lab               Services.
                   Bone               Mass.
                   Colorectal               Screening               Exams.
                   Immunizations.
                   Mammograms.
                   Pap               Smears               and               Pelvic               Exams.
                   Prostate               Cancer               Screening               Exams.
                   Prescription               Drugs               (Medicare               Part               D.)
                   Dental               Services.
                   Hearing               Services.
                   Vision               Services.
                   Physical               Exams.
                   Health/Wellness               Education.
                   Depending               on               the               company               you               choose               the               out               of               pocket               expenses               will               vary.

    You               will               immediately               save               the               $131               deductible               that               Medicare               take               from               you               as               soon               as               you               use               any               of               the               services.

    Medicare               also               has               a               20%               coinsurance               on               many               of               these               services               whereas               you               would               only               pay               the               co               pay               depending               on               which               company               you               use.
                   For               someone               who               is               relatively               healthy               you               may               not               need               to               check               out               all               the               providers               in               your               area               but               for               someone               like               my               husband               with               3               chronic               illnesses               it               can               save               hundreds               of               dollars               throughout               the               year.
                   We               pick               an               HMO               for               it's               Part               D               prescription               benefits.

    I               have               to               say               that               the               last               2               years               I               have               managed               to               keep               Len's               costs               to               0               even               though               he               is               on               Insulin,               Plavix,               and               the               generic               of               Zocor.

    With               the               help               of               his               doctor's               office               giving               a               few               samples               and               my               calculations               he               has               stayed               below               the               donut               hole.

    Part               D               initial               coverage               for               2008               will               be               $2.510               for               drugs.

    Once               you               reach               this               amount               (donut               hole)               you               are               responsible               for               100%               of               your               drug               costs               until               it               reaches               $4,050.

    After               this               the               co-payments               run               just               a               few               dollars               with               each               of               the               companies               plans.
                   As               we               do               not               have               socialized               medicine               here               in               the               states               it               is               necessary               to               stretch               those               dollars               as               much               as               we               can.

    Medicare               on               it's               own               was               good,               but               if               you               can               get               better               coverage               at               no               additional               cost,               then               I               would               suggest               you               check               out               what               is               available               in               your               area.






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    6. danieljosephsmith.wordpress.com/   11/12/2009
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    7. bermudaradical.wordpress.com/   09/08/2009
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