Category: Insurance


I have made several posts on the new healthcare bill and how much it will really cost the working people.  Well as I suspected the realities of what I an others have been saying in terms of an increase in premiums is happening as I type this post and it has happened to our family so that makes me an expert as of today to post about it.  My wife received her healthcare booklet with the different plans she can choose from and the plan she has now has increased 120%…. and to make sure I am clear, yes it has gone up 120%!!  Now, let me say she is in the single plan so the dollar increase is not that significant but in this economy any extra dollars out the door hurt the wallet. We did not choose the couple plan because the premiums have always been large but we figured from last year to this year the couple premium has increased 25%.

As stated previously there needed to be some kind of healthcare reform but my issue with this particular program was the cost and how it was going to be paid for.  Common sense alone would tell anyone that nothing is free and these insurance companies are not going to give out free insurance so guess what?? The people who pay health insurance premiums are going to pay for it.

There could also be an another motive for this.  I do not believe the President and his advisors are stupid people.  In fact, I believe them to be very intelligent and know exactly what they are doing.  I submit they knew all along these premium increases would happen and counted on it so the American people would be upset by this and then the government could say “why don’t you just come over to the government plan, it will be cheaper and better for you than the private sector” and because of the high premiums Americans will have no other choice but to do so. This way the government can say they didn’t force us into, but got us in through the backdoor and locked it!!

Finally, just so you know I did not just blog about this. I call my Congressman, Senator and the White House to let them know about the premium increase.   My health insurance renewal is coming up so I will keep you posted.

I have made several posts on the healthcare bill and the taxes that will be levied on the “Working American People” that will raised in order to pay for it.  I have also mentioned  the   general increases in taxes that will need to be raised to help reduce the National Debt!  I have come across two articles that state “Muslims excused from Obama care”.   I have copied the provision below from the Senate and House Bills these articles discuss:

EXEMPTIONS FROM INDIVIDUAL RESPONSIBILITY REQUIREMENTS

In the case of an individual seeking exemption based on the individual’s status as a
member of an exempt religious sect or division, as a member of a health care sharing ministry, as an Indian,

or as an individual eligible for a hardship exemption, such information as the Secretary shall prescribe.”

Senate Bill, H.R. 3590, pages 273-274

The articles say that according to “various Muslim fatwas they forbid Muslim participation in any sort of healthcare or insurance risk”.  To muslims insurance is considered gambling because it is based on ambiguity.  Obviously, this provision could be applied to other religious groups and not just muslims but I did not want to focus on one group on my blog.  My issue is ” if something like healthcare is so important why start trying to exempt certain groups from participating?”  Because rest assured if certain groups are granted the right not to participate then they will not have to pay any fines are premiums for this but will want to get the benefits of “Obama care”.

These are the types of issues that concerned me when the healthcare bill was passed.  Not the part about pre-existing conditions, covering children up to 24 years old,etc…. But, obscure provisions like this that is a moving target and if any decisions are made in regard to this provision if will be made in favor of the decider which will be the “bloated bureaucracy” that will make all of our healthcare decisions. Once the healthcare provision is entrenched in our society we will be subject to these provisions with no choice but to accept them.

The American People must remain vigilant and stay alert to what is going on so when these “issues pop up” we all can become informed and let our government know we want change.  This is why the American People were not told ahead of time what was in the healthcare bill because if we  knew what is in store for us there is no way this bill would have passed in its present form.  In closing my title refers to the fact that if this healthcare bill stays in its present form then all Americans should participate. Let’s don’t start exempting certain groups right off that bat!!

I have mentioned before about the healthcare bill just passed by Congress and the little “tid bits” we would find out about later on that would not make our healthcare cheaper in the long run for most of us and wanted to share what I have recently found out.  The insurance rep for my wife’s employer has told her about several changes that will affect the working person. 1) Any money that remains in your Flexible Spending Account cannot be used for over the counter medications.  I know at the end of the year if there is money remaining in the account and instead if losing it we would go spend it on over the counter meds to keep this from happening.  2) The second issue has to do with Health Savings Accounts (HSA). In this type of account money is placed in before taxes are taken from your pay check this helps reduce your tax burden just like a 401k.  According to the new requirements any amount contributed over $2,500.00 to the HSA cannot be deducted from taxes!!  Apparently these new requirements are a result of the healthcare bill that was passed by Congress and signed by the President.

I have stated previously these are things we will find out about in increments that will cost us all more money because all this has to be paid for some how.  And by the time we figure out about all the “incremental changes” that cost us more money it will be too late to change.  This is why I say to pay attention to the people you vote for because they usually tell you what they are going to do!!

I have posted previously on my work as a property-casualty claims adjuster and wanted to incorporate a post into what I talked about yesterday in my observation of people.  One of the things I like about my job is the negotiation aspect of it especially when it comes to mediation.  This is where the court will order a mediation between the insurance company and the plaintiff.  In one room is our defense council and myself and the other party and their attorney.  There is also a mediator that attempts to get both parties to agree to a settlement.

My approach to this process has changed over the years.  When I was new the mediator would come into our room to get our position and would focus the questioning on me and I would always look at our attorney to answer.  Over the years I have realized this is a negotiation tactic to focus on me probably because I did not look like I knew what I was doing which was true.  Now I have the confidence to speak my mind and give it right back.  This is not a criticism as we all have are responsibility in this process but I acknowledge that this is how the negotiation process works.

What I have learned in my observation of people is that you have to get a feel right away from where everyone stands.  I have learned over the years in all aspects of my life to be a “practiced observer” and it has served me well.  I have heard it said “you need to know if the bear is on your back porch our out in your yard”. Translation, once I know what is going on I can respond appropriately to what I am facing in my work and personal life.