The 10 Terrible Provisions of Obamacare You May Not Have Heard Of

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The 10 Terrible Provisions of Obamacare You May Not Have Heard Of.Obamacare includes such a variety and volume of negative policies that it’s hard to keep track of them all. Here is a list of 10 terrible provisions that every American should be aware of:

  1. It increases taxes on families earning over $250,000. In 2013, the employee portion of the Medicare payroll tax will increase from 1.45 percent to 2.35 percent for families earning $250,000 or more and individuals earning $200,000 or more. The income threshold is not indexed for inflation, so more and more middle-income families will be hit by the tax hike as time goes on.
  1. It adds a new tax to investment income. The increased payroll tax rate is also applied to high-earners’ investment income for the first time beginning in 2013. It will hit capital gains, dividends, rents, and royalties, discouraging investment and harming economic growth.
  2. It puts new limitations on those with HSAs and FSAs. Starting in 2012, Obamacare restricts the products that consumers may purchase with a Health Savings Account (HSA) or Flexible Savings Account (FSA)—such as over-the-counter medications—and increases the penalty for such non-qualified uses of HSAs. It also limits the amount taxpayers may deposit into an FSA to $2,500 a year in 2013.
  3. It adds a new tax on those who purchase medical devices. In 2013, a 2.3 percent excise tax will be applied to medical devices, causing a $28.5 billion tax hike on medical device manufacturers. The industry will pay for this tax by reducing jobs and passing additional costs on to consumers.
  4. It penalizes marriage. Obamacare creates new taxpayer-funded subsidies for the low and middle classes to purchase health coverage, but the structure of the subsidies allows two individuals to claim more in subsidies alone than if married. This discriminates against married couples and discourages marriage at almost all age and income levels.
  5. It violates religious liberty. The Department of Health and Human Services included the full range of contraceptives, including abortion-inducing drugs, among the women-specific preventive services that Obamacare requires insurers to include with no cost-sharing. This mandate violates Americans’ conscience rights and religious liberty. Its narrow exemption for religious employers will force many who find these products morally objectionable—including religious charities, hospitals, and schools—to pay for them.
  6. It puts Medicare decisions in the hands of an unelected board. The Independent Payment Advisory Board, a board of 15 unelected officials, will have the power to cut Medicare spending without congressional approval. These unaccountable government appointees will be able to restrict seniors’ access to providers, treatments, and services.
  7. It puts a premium tax on health insurers. Obamacare adds a premium tax on health insurers that offer full coverage beginning in 2014. On average, the tax is expected to increase premiums by 1.9 percent to 2.3 percent in 2014 and between 2.8 percent and 3.7 percent by 2023. Combined with the other provisions in Obamacare, this tax will have a huge impact on the cost of premiums.
  8. It creates a new unsustainable entitlement program. On top of Social Security, Medicare, and Medicaid, Obamacare created a new long-term care entitlement called the CLASS program. It is actuarially unsound, unworkable, and unsustainable. As a result, the Administration has already put its implementation “on hold.”
  9. It puts over half of all Americans on a government program. Because of Obamacare’s huge expansion of Medicaid and creation of taxpayer-funded subsidies to purchase health coverage, more than half of all Americans will be dependent on a government health care program (Medicare, Medicaid, or the government exchanges) by the end of this decade.
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Millionaire Candidates

Millionaire Candidates

 As the costs of running for office have escalated, more and more candidates are jumping into politics   using their personal fortune, rather than trying to raise all those funds from other people.

Though they don’t lack for money, self-funded candidates typically lose at the polls.

 Election cycle: 2008 -2006 -2004 -2002

 Chamber Candidate Self-funding -Raised from Others Percentage- Self-funded Result

 Senate Ned Lamont (D-Conn) $16,975,678 $3,604,925 82.5%

Lost Senate Pete Ricketts (R-Neb) $12,025,597 $1,399,299 89.6%

Lost Senate Jim Pederson (D-Ariz) $10,910,827 $3,798,801 74.2%

 Lost Senate Richard E Tarrant (R-Vt) $7,200,000 $115,854 98.4%

 Lost Senate Herb Kohl (D-Wis) $5,755,000 $334,212 94.5%

Won House Vernon Buchanan (R-Fla) $5,450,000 $2,673,186 67.1%

Won Senate Joshua B Rales (D-Md) $5,250,397 $691,187 88.4%

 Lost Primary Senate Bob Corker (R-Tenn) $4,169,200 $14,690,249 22.1%

 Won House Eric Roach (R-Calif) $2,849,894 $67,150 97.7%

 Lost Primary House David McSweeney (R-Ill) $2,766,938 $2,291,884 54.7%

Lost Senate Katherine Harris (R-Fla) $2,575,150 $6,091,653 29.7%

Lost House Steve Kagen (D-Wis) $2,551,000 $669,730 79.2%

Won House Charles H Taylor (R-NC) $2,530,580 $1,613,143 61.1%

 Lost Senate Michael McGavick (R-Wash) $2,510,000 $8,343,230 23.1%

 Lost Senate John R Raese (R-WVa) $2,285,700 $868,848 72.5%

Lost House Jack Davis (D-NY) $2,255,377 $144,030 94.0%

Lost House Capri Cafaro (D-Ohio) $2,098,749 $22,686 98.9%

 Lost Primary House Mike Erickson (R-Ore) $1,567,400 $218,644 87.8%

Lost House William J Hauf (R-Calif) $1,562,942 $10,810 99.3%

Lost Primary House Frank A Guglielmi (R-Ohio) $1,562,850 $101,699 93.9%

 Lost Primary House Bob Shamansky (D-Ohio) $1,400,000 $288,254 82.9%

Lost Senate Edward F Cox (R-NY) $1,272,000 $336,069 79.1%

Dropped Out House Kathleen R Salvi (R-Ill) $1,259,593 $326,322 79.4%

Lost Primary House Richard H Roberts (R-Tenn) $1,223,491 $1,068,843 53.4%

 Lost Primary House Alan Kurt Uke (R-Calif) $1,149,685 $182,778 86.3%

Lost Primary Senate Lincoln D Chafee (R-RI) $1,139,702 $4,282,551 21.0%

Lost Senate Harris N Miller (D-Va) $1,043,556 $689,121 60.2%

Lost Primary House Van Taylor (R-Texas) $1,020,000 $1,569,364 39.4%

Lost Senate Alan M Sandals (D-Pa) $788,419 $67,389 92.1%

Lost Primary Senate William McBride (R-Fla) $755,000 $312,296 70.7%

Lost Primary House Ellen Simon (D-Ariz) $710,369 $804,591 46.9%

Lost House John A Yarmuth (D-Ky) $708,301 $1,541,997 31.5%

Won House Lukin Gilliland Jr (D-Texas) $700,000 $355,772 66.3%

Lost House Alan Mark Grayson (D-Fla) $675,000 $55,146 92.5% 

Lost Primary Senate Kelly Doran (D-Minn) $649,060 $112,630 85.2%

Dropped Out Senate Kathleen Troia McFarland (R-NY) $600,000 $1,044,740 36.5%

Lost Primary House Quentin Kuhio Kawananakoa (R-Hawaii) $578,000 $238,686 70.8%

Lost Primary House David Magnum (R-Wis) $558,000 $391,832 58.8%

Lost House Mike Whalen (R-Iowa) $552,523 $1,767,120 23.8%

Lost Senate Keith Butler (R-Mich) $544,254 $2,697,507 16.8%

Lost Primary House John Dee Jacob (R-Utah) $544,000 $47,830 91.9%

Lost Primary House Lavar Christensen (R-Utah) $540,000 $325,800 62.4%

Feel free to distribute or cite this material, but please credit the Center for Responsive Politics. For permission to reprint for commercial uses, such as textbooks, contact the Center. PresidentialCongress

Let’s Talk Medicare Advantage

November 9th 2009

{ABOVE ALL ELSE READ THE BOOK }

Those of us who qualify for the Medicare Advantage Program are receiving our Medicare and you 2010 handbook. This year above all else the Knowledge we don’t have will Kill us. So From now until we get the coverage equality we deserve I will be talking to you about various MUST NO’S for America’s elderly and disabled

May 2009 I no longer qualified for my Company Insurance and was Placed on Medicare. Having worked since I was 12 (babysitting) and paid into this healthcare system for more than 20 years.  I think that the American People should know that we all have paid an extra $1,000 yearly toward the coverage of the Needy and Underinsured. For me that calculation is$7,000 yearly over 14 yrs  which equals $98,ooo of that $14,000 was taken without my knowledge. It was even called A Hidden tax.

But, the Government both Democrats and Republicans knew this was and continues to this day to be the Norm or  “status quo” and when you add up what insurance and hospital lobbyist have paid our Government Officials over that same time frame my small donation is peanuts. It was almost bragged about  approx 6 million dollars and rising has been paid  just this Year.

(They don’t seem to be in a recession) The Real big Money will come out for the Senate and all this to keep Medicare Advantage Seniors Paying and Paying. So why are they really working so hard to Not give the American People the same coverage they have?

Perhaps the fact that the Major 2 or 3 Insurance Companies have Corporate locations in many of the Republican and even some of the so-called blue dog democrat (all for one and one for all? ) States. Let’s just imagine the campaign contributions they could be receiving. For example I pulled this off the  United Healthcare information website. Make’s me wonder about how many more years The People will accept being lied to.

For purposes of this Notice of Privacy Practices, “we” or “us” refers to the following UnitedHealthcare
entities: ACN Group of California, Inc.; All Savers Insurance Company; American Medical Security Life Insurance Company; AmeriChoice of New Jersey, Inc.; AmeriChoice of New York, Inc.; AmeriChoice of Pennsylvania, Inc.; Arizona Physicians IPA, Inc.; Arnett HMO, Inc.; Dental Benefit Providers of California, Inc.; Dental Benefit Providers of Illinois, Inc.; Dental Benefit Providers of Maryland, Inc.; Evercare of Arizona, Inc.; Evercare of Texas, L.L.C.; Golden Rule Insurance Company; Great Lakes Health Plan, Inc.; IBA Health and Life Assurance Company; MAMSI Life and Health Insurance Company; MD-Individual Practice Assocation, Inc.; Midwest Security Life Insurance Company; National Pacific Dental, Inc.; Neighborhood Health Partnership, Inc.; Nevada Pacific Dental, Inc.; Optimum Choice, Inc.; Oxford Health Insurance, Inc.; Oxford Health Plans (CT), Inc.; Oxford Health Plans (NJ), Inc.; Oxford Health Plans (NY), Inc.; Pacific Union Dental, Inc.; PacifiCare Behavioral Health of California, Inc.; PacifiCare Behavioral Health, Inc.; PacifiCare Dental; PacifiCare Dental of Colorado, Inc.; PacifiCare Insurance Company; PacifiCare Life and Health Insurance Company; PacifiCare Life Assurance Company; PacifiCare of Arizona, Inc.; PacifiCare of California; PacifiCare of Colorado, Inc.; PacifiCare of Nevada, Inc.; PacifiCare of Oklahoma, Inc.; PacifiCare of Oregon, Inc.; PacifiCare of Texas, Inc.; PacifiCare of Washington, Inc.; Rooney Life Insurance Company; Spectera, Inc.; U.S. Behavioral Health Plan, California; UnitedHealthcare of Alabama, Inc.; UnitedHealthcare of Arizona, Inc.; UnitedHealthcare of Arkansas, Inc.; UnitedHealthcare of Colorado, Inc.; UnitedHealthcare of Florida, Inc.; UnitedHealthcare of Georgia, Inc.; UnitedHealthcare of Illinois, Inc.; UnitedHealthcare of Kentucky, Ltd.; UnitedHealthcare of Louisiana, Inc.; UnitedHealthcare of the Mid-Atlantic, Inc.; UnitedHealthcare of the Midlands, Inc.; UnitedHealthcare of the Midwest, Inc.; UnitedHealthcare of Mississippi, Inc.; UnitedHealthcare of New England, Inc.; UnitedHealthcare of New York, Inc.; UnitedHealthcare of North Carolina, Inc.; UnitedHealthcare of Ohio, Inc.; UnitedHealthcare of Tennessee, Inc.; UnitedHealthcare of Texas, Inc.; UnitedHealthcare of Utah; UnitedHealthcare of Wisconsin, Inc.; Unimerica Insurance Company; Unimerica Life Insurance Company of New York; United Behavioral Health; UnitedHealthcare Insurance Company; UnitedHealthcare Insurance Company of Illinois; UnitedHealthcare Insurance Company of New York; UnitedHealthcare Insurance Company of Ohio;  UnitedHealthcare Insurance Company of the River Valley; UnitedHealthcare Plan of the River Valley, Inc.


WHERE DO I FIT IN THE PLAN

The Reality Of Medicare so-called Reform

My life took a drastic change February 14th 2005. The new’s that was on my television looked strange. I wear glasses so after placing them on my face the news still didn’t look quite right but, the time had gotten away from me and the drive to work usually took at least 20 minutes. I got myself in the car and backed out of the driveway. Something I later called sea sickness set in and I pulled over to steady myself.
By the grace of GOD I made it to work in one piece. After getting to my cubicle and booting up my computer I again noticed the screen did not look right it was blurry and strangely black. The next moment i was convulsing in my trash can. Thinking that I had the flu (not bird or pig) fear set in because i could not stop vomiting and now my equilibrium was acting up so I was very dizzy. Diarrhea started next and I panicked.
An angel of a coworker drove me home and I went to bed. Was I dying? Stop acting like a baby I told myself it’s just the flu. The next Morning when I awaken I was completely blind in my right eye.
Frightened more than ever in my life the thoughts came flooding in will i ever see the same or at all? what do i do now who can help me. Since it was my eye i went to see my eye doctor who after an examination he immediately referred me to a specialist and I was really terrified especially since the doctor did not charge me for the exam.
A Thank-You here is necessary to the entire PDX INC Family for the care and concern they all showed me up to and including driving me to the doctors and getting me food and what ever my family needed but the biggest thank you is for the insurance I was Blessed to have. Until then I complained about it thinking ever so ignorantly that my company could have done better my copay’s could have been less etc etc.
Well the specialist sent me through a barrier of tests and told me he thought I should prepare for the diagnosis of something called MS. What in the world was that and is it fatal?? He refers me to a neurologist who also sent me through a barrage of tests all of which included needles.
The only 2 tests that can accurately determine that you do or don’t have MS is an MRI and Spinal Tap. At 48 years old I had not ever had either of those. The words Multiple Sclerosis had not even been heard of in my family. After almost throwing up all over the MRI machine and having my sister verbally slap me into submission we covered my eyes with a very cold towel and I prayed my way through it, The spinal tap was another whole issue, I cried like a baby and had to be held down.
February 18th 2004 My road to Medicare began My companies insurance generously covered me until 2009 when Medicare took over and this is where the real nightmare begins I currently take more than 7 medications daily And one of which I must give my self three times a week by injection.
This particular medication is for relapsing remitting (long word for it happens when you least expect it) MS. $2,000 plus this medication alone puts me in something called the Gap
(short for all my prescriptions are full price) One month I’m paying $25.00 three months later I am paying $2,000 Who thought this could ever happen to me? Worked 14 yrs in the same place paid my taxes went to church took care of the poor etc etc Now what do I do? I scrapped together all I could to get as much of the needed medication.
Each month Our Family 0f 11 struggles however the needs are mounting especially for our 8 children who live in my home. My daughter and grandchildren live with me and help to keep me alive believe it or not.
Just keeping electric, food and water on and now I cannot even begin get the medicine at regular prices. Okay now what? MR. CONGRESS MEN and all those who think it won’t happen to them NOW WHAT! GO WITHOUT AND DIE IS THAT MY OPTION??