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Papers, Please

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Imagine for a moment you work at a U.S. military base as a contractor. You step out of a bathroom after using it, and are immediately confronted by someone with base security. He demands you present identification proving your gender, otherwise he will arrest you. Your mind races, blood pounds in your ears, flight or fight kicks in -- being arrested will probably cost you your clearance, your job and any chance you have of working in your career field again.

"Have you had the procedure?" he demands again. "Prove you've had the surgical procedure or else I'll have the MPs come down here and figure it out." The implication is clear: Come up with an ID, or they will arrest and strip search you in order to inspect your genitals.

You produce a passport.

It has your correct gender on it.

The security officer looks at the passport and glares back.

"Keep this on you. The other officers have been instructed to keep you out unless you prove it to them too."

If this seems improbable, it's not. One of my closest friends had this happen to her recently at an Army base in Georgia recently. The only things that saved her from humiliation and unemployment was the Department of State's new policy on issuing passports to transgender people, and the guard's lack of familiarity with the fact that a corrected passport does not require Gender Confirmation Surgery (GCS).

Another nearly identical incident took place just this last week at a North Carolina community college.

As these examples illustrate, obtaining accurate ID as a transgender person can be the difference between being employed and unemployed, between being questioned and released by authorities, and being stripped and brutalized. It can be the difference between being able to vote, and being disenfranchised as well.

Laws governing changing your identification to reflect your correct name and gender are a bewildering hodgepodge that varies from state to state, and government agency to government agency. In 22 states, you cannot get a driver's license without having proof of having had GCS. In five of those states (Iowa, Kentucky, Montana, Virginia and Texas), proof of GCS is a new birth certificate.

Unfortunately, if you're living in one of these five states (IA, KY, MT, VA, TX) but born in Idaho, Ohio, Tennessee, or Texas, you're out of luck. There's no legal mechanism to change your birth certificate in these four states.

Birth certificates are even more difficult to change. Besides the four states that won't make changes under any circumstances, all but California, Vermont, Washington and the District of Columbia require GCS. While the surgical requirement might seem to make sense on the surface, it ignores several crucial realities.

The first is that many transgender people, particularly transgender men, do not want GCS. Only 27 percent of transgender men want phalloplasty because of the surgical risks, so-so aesthetics and lack of functionality.

The second crucial piece is that most transgender people don't have access to GCS anyway. We're impoverished, under employed, unemployed and most health insurance plans do not cover GCS anyway. Most non-transgender people don't have $20,000 lying around for surgery, much less transgender individuals. Many transgender individuals don't even have the money to meet the requirements for a change in documentation in states that do not require GCS. The burden placed on transgender individuals to obtain accurate identification is found nowhere else in our legal system.

Policy at the federal level is mixed as well, mostly due to the Department of Defense (DoD). While getting your name and gender changed on Department of State, Veteran's Administration, and Social Security Administration documents does not require GCS, getting either changed on DoD documents is somewhere between excruciating and impossible. Changing your gender in the DoD personnel system (DEERS) requires GCS and a convoluted series of up to 8 separate forms to different agencies. You are also not allowed to change you gender in DEERS if you were married in a non-marriage equality state.

You cannot change your name on your discharge papers (called a DD 214), as the DoD regards them as "historical records." However, in practice, the DD 214 becomes proof of ID and service. This has negative consequences, as described by a transgender veteran friend:
I had to present my DD214 to the VA when I filled out the forms to enroll in benefits. Obviously my name on the form and the DD214 didn't match. The woman working the desk blurted "Did you have the sex change!?' loudly enough the nine other people behind me stopped talking and stared... When I went back to college I kept having to explain why my DD214 doesn't match my current name whenever I applied for veteran's benefits... In Tricare (military health care for retirees) I'm still "male" because I have to update DEERS. I can only do that after I get my birth certificate changed though, but I can't because I'm from Idaho.
There are ways to skirt the edges of the system, but all too often they involve asking doctor's to word letters vaguely enough to confuse bureaucrats, or to read the law with the loosest possible interpretation of phrases like "completed sex change process."

The result is a system that invites corruption, disenfranchises a class of individuals, subjects us to additional risks of violence and unemployment, and generally victimizes people already at the bottom of the societal ladder. Given the catch-22 of requiring surgery for ID, but making surgery nearly impossible to obtain (if you even wanted it in the first place), plus social injustice aspect, one has to wonder why this hasn't become a point of greater emphasis in the LGBT movement.

The legal mechanics of civil marriage is every bit as much a paperwork drill as acquiring a government issued ID. Reported by Huffington Post 1 day ago.

HHS Started Obamcare Applications For Americans, Without Consent

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In the closing days of  the open enrollment period for the Affordable Care Act (ACA) , the Department of Health and Human Resources (HHS) was mailing out letters notifying certain Americans that they had already started a healthcare coverage application for them.

The HHS letter stated that the information they used to begin the application for individual Healthcare was obtain by the state agency in charge of implementing Obamacare. In this particular case, the State of Florida was responsible for submitting personal records to HHS.

The next step for the individual would be visit Healthcare.gov and complete the already started application to see if they qualify for "Marketplace coverage."

Is this how the Obama administration is inflating the enrollment numbers, by making it easier for people to finish the application?

Here is how the letter reads.

You submitted  an application for healthcare coverage, or made a change to your eligibility information. Your state sent your information in a secure transaction to the Health Insurance Marketplace, because you or someone on your application does not qualify for Medicaid or Children's Health Insurance Plan (CHIP).

 You or someone on your application will likely be able to get coverage through the Marketplace, and get help paying for health coverage...We used the information from the state agency to start an application for you on Healthcare.gov. You'll need to complete and submit this application to see if you qualify for Marketplace coverage.

To do this, you can log into your Healthcare.gov account, or if you don't already have an account, you can create one on Healthcare.gov.

HHS urged enrollees to "confirm" information and "choose a plan before the deadline."

For more information about how to complete the application we started for you www.healthcare.gov/help/statetranser

When visiting this web address, you will find the exact same text that is used in the letter, except for the asking of the individual to "complete the application we started for you"

How many more healthcare coverage applications of unsuspecting Americans has HHS has already "started" for them?

Original story and letter can be found *here*.

 
 
 
  Reported by Breitbart 1 day ago.

Assurex private health insurance exchange adds Ohio-based Oswald

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Dublin-based Assurex Global is steadily adding members to its private health insurance exchange for its member broker firms,  including Cleveland-based Oswald Companies this week. Made up of partner firms with a combined 500 locations, Assurex is the largest private brokerage group for commercial insurance, risk management and employee benefits. It launched its private exchange this June; about 10 brokerages have joined. Various HR firms,  employer coalitions and brokerages have started offering… Reported by bizjournals 1 day ago.

Fact Or Fiction: Obama Declares "Mission Accomplished" On Affordable Care Act

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Fact or Fiction?

After a series of minor inconveniences like a website that wouldn’t work, millions of people losing their preferred coverage and many of the laws key components being postponed, the April 1st deadline for signing up for Obamacare has come and gone, and the *President is in a celebratory mood.*

Being wheeled in on a wheelchair to make a show of how so many more Americans now have access to healthcare, Obama declared an end to Major Signup Operations in healthcare.  *He began his speech by saying “Today, we can all see the wisdom of operation insurance freedom.”*

*He then went on to say that the lack of availability of health insurance for so many in America was “like a weapon of mass destruction” to our economy, and that what the ACA brought forth was “regime change against the axis of evil of health insurers and pharmaceutical companies”*

One reporter asked the President if perhaps the celebration was premature, since so much of the law has yet to go into effect, and nobody can say whether the new regime will in fact be better than the old one. Responding in that cute way that makes us forget so many of our other disappointments with him, *Obama responded by saying “don’t be a party pooper.”*

Source: Omid Malekan Reported by Zero Hedge 1 day ago.

Red State Dem Denies 6 Million Have Lost Their Health Insurance, Says He’d Vote for ObamaCare Again

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Red State Dem Denies 6 Million Have Lost Their Health Insurance, Says He’d Vote for ObamaCare Again 
 
 
  Reported by Breitbart 1 day ago.

Manasquan Set To Hike Taxes: What Do You Think?

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Manasquan Set To Hike Taxes: What Do You Think? Patch Manasquan-Belmar, NJ --

Hurricane Sandy or the impact of recent snowstorms were not cited as reasons for the possible increase. An increase in the employees' group health insurance, however, could reportedly be a factor. Please vote in our poll. Reported by Patch 1 day ago.

Medicaid expansion divides Missouri Republicans

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An effort by some in the GOP to expand eligibility for the federal health insurance program, led by Sen. Ryan Silvey of Kansas City, will probably fall short this year. But it reveals fissures in the GOP blanket objection to anything related to Obamacare and may signal the possibility of a breakthrough next year. Reported by KansasCity.com 1 day ago.

Friday Talking Points -- 'And Counting'

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Today we're turning over the whole talking points section to the president, because he certainly deserves a victory lap after announcing this week that -- against all odds, and against all the slings and arrows of misfortune -- 7.1 million people signed up for health insurance on the Obamacare exchanges.

Because this will pre-empt our normal talking points, I'd like to point one thing out up front. Democrats, from this point on, should adopt a very simple technique to disarm Republican squabbles about Obamacare numbers. To every figure quoted for people gaining health insurance, Democrats should end with "... and counting." This is an easy miniature talking point to insert into any discussion of the numbers, using just two little words to point out a basic fact: These numbers are only going to grow over time. The deadline for signups was extended for just about everybody, so another two weeks of data will be announced later this month. After that, people will still be using the exchanges to buy insurance when their life situation changes (getting married, new job, whatever) outside of the open enrollment period. Which means the number will be even higher than 7.1 million by the start of the next open enrollment period later this year.

It's an easy way to make a big point. "The figure for signups is 7.1 million... and counting." So every Democrat out on the campaign trail or on television should use these significant two words as often as possible when talking about Obamacare's numbers in the next few months.

OK, enough of that. Let's take an extremely quick look at the political news of the week, before we get to our awards and our special edition of the talking points. First, some Republican follies (since April Fools' Day fell during the past week, it's only appropriate). Fox News actually apologized for running a misleading graph in the days before the Obamacare number was announced. Will wonders never cease? Except, of course, I doubt they ran the graph again when Obama actually met the target of 7 million. Even so, "Fox News apologizes" isn't the normal sort of headline we're used to seeing.

Paul Ryan put out his budget, which truly deserves a full slate of talking points from Democrats sooner or later (we'll get to it in the coming weeks, never fear, there's plenty of time to do so). It's easy enough to criticize Ryan's budget. For instance, Ryan cuts Medicare by the same amount he demonized Obama for cutting, out on the campaign trail -- and that's just the most obvious thing to point out. But Ryan got some criticism from an unexpected direction, as Sarah Palin (remember her?) ripped into Ryan for not cutting enough and not cutting faster, and called his budget a "joke" and "the definition of insanity."

OK, since it's been four or five years, let's check in on the ongoing Republican effort to come up with a bill that would replace Obamacare, should they ever successfully repeal it. Here is John Boehner speaking about the progress of this effort: "The president can go out there and tout about all the people he's signed up. Our job is to show the American people we have better solutions, and we're working to build a consensus to do that. And when we have something to talk about, we'll show you."

Wow. When they have something, they'll show us. Not exactly confidence-building, is it? I guess we'll have to check back in another four or five years -- maybe they'll have a bill by then, eh?

Republican War On Women update: The Heritage Foundation held a fun seminar to explain how Republicans need to convince women that the thing they should really do is to get married. You just can't make this stuff up, folks. The whole story's hilarious, especially where the Heritage "lectures director" opens the session by addressing the audience (which was "small and mostly male, many of them apparently Heritage interns") with: "Wow. Where are all the ladies?" Where, indeed.

There are Republicans who understand the damage the whole War On Women is doing to their party, but they are few and far between. If this had been a slow week in political news, I might have mined a great Salon interview (with Oklahoma state representative Doug Cox) for talking points, because it is such an astounding viewpoint from a Republican, these days. Cox is a doctor (who has "delivered 800 babies") who knows what he's talking about on the subject of women, reproduction, abortion, and hard life choices people sometimes make. The whole interview is well worth reading, if only to prove that not every single Republican is a patriarchal throwback.

In news from the intelligence community, Dianne Feinstein's Senate committee voted in bipartisan fashion to approve public release of a summary of their classified report on torture. This would mean over 400 pages would be released out of the 6,300-page total report. It now goes to the C.I.A. for vetting, so we still won't be seeing it anytime soon, though. It was also revealed this week that the U.S. government has been running a social networking site in Cuba, to undermine the Castro government, for whatever that's worth.

Over in the House, Darrell Issa held yet another hearing on Benghazi, where the man in charge of the C.I.A. at the time (and who edited the infamous "talking points" document) was asked repeatedly if all the Republican conspiracy theories were true. Repeatedly, he forcefully shot down such nonsense. From a Washington Post article on the hearing:



"I never allowed politics to influence what I said or did -- never," he testified. "None of our actions were the result of political influence in the intelligence process -- none... The White House did not make any substantive changes to the talking points, nor did they ask me to." He called the talking points -- which turned out to be wrong -- "the best available information at the time."Did he have a conversation with anyone at the White House about the nature of the talking points?

"No, sir."

His thoughts on the false information Susan Rice gave on TV the Sunday after the attacks?

"What she said about the attacks evolving spontaneously from a protest was exactly what the talking points said."

How about the claims that somebody in the administration told the military not to assist on the night of the attack?

"I am aware of several requests by C.I.A. for military support that night, and those requests were honored and delivered."



Republicans, of course, went bonkers upon hearing this, insisting that their fantasy of political influence just had to be true. In the face of all evidence to the contrary, of course. Issa isn't done with Benghazi, though (Issa will never be done with Benghazi), so expect this sort of thing right up to the 2016 election.

Finally, in a normal week we'd make this the last talking point, just because it's funny. A Republican candidate has discovered that entering politics means your entire past will be scrutinized, even if you try to scrub it from the Internet. Photos used to exist of this guy "burning books, aiming shotguns at dogs, dressed as a vampire, dressed as a demon, Satanic symbolism, chained and gagged," and one with the memorable title: "Put on my Rape Face." Follow the links in the article to see some of these (you can also see the guy dressed as The Flash in a photo that ran with the article). And feel free to write your own talking point, as it's pretty easy to do so with that kind of material to work with.

 

Before we get to the main award, there are many unsung heroes to congratulate on the last-minute push to get folks signed up on Obamacare. Martha Bergmark has a great post on The Huffington Post that gives these folks the credit they certainly deserve. We'd like to add our own *Honorable Mention* to all of Obamacare's unsung heroes.

The obvious choice for this week's *Most Impressive Democrat Of The Week* award is none other than President Barack Obama. We can't tell, at this point in time, the absolute magnitude of his political victory quite yet, but his announcement this week that the program had actually exceeded the original signup estimate was nothing short of astounding. Nobody -- us included -- predicted such a fantastic finish, especially in the dark days of the website's woes. For two months, night after night the national news led with "Obamacare website still broken," which was one-third of the total signup period. Nobody -- nobody -- predicted that even with such a disastrous launch the program would still hit its target number for the first year.

That is impressive indeed. It allows Democrats to now pivot to highlighting the good news stories on Obamacare, rather than defending the website for the rest of the year. Obama took what amounted to a victory lap in the Rose Garden to announce the final number, which he well deserved (more on this in the talking points section below).

Obama was even feeling feisty enough to make a snide comment about Paul Ryan's budget (again, normally this would be its own talking point, but they've been pre-empted). Appearing in Ann Arbor after eating at Zingerman's, a local deli, Obama used a Ryan-budget-as-a-sandwich metaphor: "If they tried to sell this sandwich at Zingerman's, they'd have to call it the 'Stinkburger' or the 'Meanwich.'"

All around, a pretty good week for Obama. But, just for hitting that 7.1 million signup number alone, Barack Obama is without question the *Most Impressive Democrat Of The Week*. Bravo, Mister President: 7.1 million. And counting.

(Congratulate President Barack Obama on the White House contact page, to let him know you appreciate his efforts.)

 

We first have a *(Dis-)Honorable Mention* award, for James Moran, House member from Virginia, who is upset that Congress just denied themselves their yearly "cost of living adjustment" raise. For the past few years, Congress has not raised their pay, and according to Moran, the $174,000 salary they get is just not enough to live on. Hey, life's tough all around, pal.

But there was a state-level Democrat that absolutely took the cake this week in the *Most Disappointing Democrat Of The Week* category. Arizona state senator Olivia Cajero Bedford told her colleague, state senator Steve Gallardo -- who came out a few weeks ago and announced he was gay (see FTP 294, where we gave him an *Honorable Mention*) -- that he should "act more gay." Um, wait... what?

The whole story is downright bizarre, especially since Bedford was in the middle of trying to remove Gallardo from a leadership post. Here are the key quotes from the story:



"I'm fine with him being gay or not," Cajero Bedford said, before casting suspicion on why he was "hiding it."

Gallardo, who is running for Congress in Arizona's 7th District, told the Capitol Times he didn't understand "what the hell that has to do with anything."



Excellent response, we have to say. No matter the reason, this was simply a stupid thing to say for any politician, much less a Democrat. Which is why Olivia Cajero Bedford is, quite obviously, our *Most Disappointing Democrat Of The Week* this week.

(Contact Arizona Senator Olivia Cajero Bedford on her Senate contact page, to let her know what you think of her actions.)

 

*Volume 298* (4/4/14)

As promised, we've got a special edition of the talking points today. These are all excerpts from Obama's speech in the Rose Garden where he officially announced: "Despite several lost weeks out of the gate because of problems with the website, 7.1 million Americans have now signed up for private insurance plans through these marketplaces -- 7.1." You really can't fault him for repeating that number. I'd only add "and counting" (which is nothing more than a cheap way of returning to my titular theme this week, I fully admit).

I usually present these speech excerpts in the order they appear in the speech, but today I moved two of them up to the front. I did this because these talking points are the most important -- because they are precisely what Democrats need to be doing right about now: touting Obamacare success stories. These stories are out there, and the people responsible for the Democratic midterm effort should be actively looking for them to run in political ads. It won't be hard to find these stories, they're popping up everywhere -- even in the unlikeliest places, like on Ted Cruz's Facebook page (he tried to troll for horror stories, and instead got a faceful of comments such as: "Without the ACA, my 21-year-old autistic son would not have any insurance. Thank you President Obama." -- dang them intertubes!). Obama shows how to use these stories effectively -- something all Democrats should start doing immediately.

Other than moving the three personal stories to the front (there are two separate stories in the second talking point), the rest of this is presented in order. Obama's full speech transcript is well worth reading, especially if you have ever wanted to see what a full-throated defense of Obamacare really looks like. But here are the seven passages that caught my eye, prefaced by the reasons I think they're the best.

 *   The price of a year in college*Personalize it! Tell people's stories! Obama shows how easy it is to do this, and hopefully other Democrats will soon follow his lead.



Let me give you a sense of what this change has meant for millions of our fellow Americans. I'll just give you a few examples. Sean Casey, from Solana Beach, Calif., always made sure to cover his family on the private market. But pre-existing medical conditions meant his annual tab was over $30,000. The Affordable Care Act changed that. See, if you have a pre-existing condition, like being a cancer survivor, or if you suffer chronic pain from a tough job, or even if you've just been charged more for being a woman -- you can no longer be charged more than anybody else. So this year, the Casey family's premiums will fall from over $30,000 to under $9,000.

And I know this because Sean took the time to write me a letter. "These savings," he said, "will almost offset the cost of our daughter's first year in college. I'm a big believer in this legislation, and it has removed a lot of complexity and, frankly, fear from my life. Please keep fighting for the ACA." That's what Sean had to say.



 *   I felt like a human being again*Get these stories out there! Put a face to what Obamacare was designed to do!



Jeanne Goe is a bartender from Enola, Penn. Now, I think most folks are aware being a bartender, that's a job that usually doesn't offer health care. For years, Jeanne went uninsured or underinsured, often getting some health care through her local Planned Parenthood. In November, she bought a plan on the marketplace. In January, an illness sent her to the hospital. And because her new plan covered a CAT scan she wouldn't have otherwise been able to afford, her doctor discovered that she also had ovarian cancer -- and gave her a chance to beat it. So she wrote me a letter, too. She said it's going to be "a long tough road to kill this cancer, but I can walk that road knowing insurance isn't an issue. I won't be refused care. I hope to send a follow-up letter in a few months saying I am free and clear of this disease, but until then, I know I will be fighting just as you have been fighting for my life as a working American citizen."

And after her first wellness visit under her new insurance plan, Marla Morine, from Fort Collins, Colo., shared with me what it meant to her. "After using my new insurance for the first time, you probably heard my sigh of relief from the White House. I felt like a human being again. I felt that I had value."



 *   Obamacare benefits people don't even realize*This has been sadly lacking up until now: reminding the public that even people who don't have to use the exchange to get insurance are still benefiting from Obamacare.



And in these first six months, we've taken a big step forward. And just as importantly, this law is bringing greater security to Americans who already have coverage. Because of the Affordable Care Act, 100 million Americans have gained free preventive care, like mammograms and contraceptive care, under their existing plans. Because of this law, nearly 8 million seniors have saved almost $10 billion on their medicine because we've closed a gaping hole in Medicare's prescription drug plan. We're closing the donut hole. And because of this law, a whole lot of families won't be driven into bankruptcy by a serious illness, because the Affordable Care Act prevents your insurer from placing dollar limits on the coverage they provide.

These are all benefits that have been taking place for a whole lot of families out there, many who don't realize that they've received these benefits. But the bottom line is this: Under this law, the share of Americans with insurance is up and the growth of health care costs is down, and that's good for our middle class and that's good for our fiscal future.



 *   A lot better*Obama, even while spiking the football, remains very realistic. The point about premium rises being the smallest in half a century is another good thing to point out, because it is something the media has completely taken a pass on reporting.



Now, that doesn't mean that all the problems in health care have been solved forever. Premiums are still rising for families who have insurance, whether you get it through your employer or you buy it on your own -- that's been true every year for decades. But, so far, those premiums have risen more slowly since the Affordable Care Act passed than at any time in the past 50 years. It's also true that, despite this law, millions of Americans remain uncovered in part because governors in some states for political reasons have deliberately refused to expand coverage under this law. But we're going to work on that. And we'll work to get more Americans covered with each passing year.

And while it remains true that you'll still have to change your coverage if you graduate from college or turn 26 years old or move or switch jobs, or have a child -- just like you did before the Affordable Care Act was passed -- you can now go to healthcare.gov and use it year-round to enroll when circumstances in your life change. So, no, the Affordable Care Act hasn't completely fixed our long-broken health care system, but this law has made our health care system a lot better -- a lot better.



 *   The Affordable Care Act is here to stay*These paragraphs were the meat of Obama's football-spike and end-zone dance. You've got to love that "Armageddon has not arrived." In fact, I could have separated this one passage into seven separate talking points, if the rest of Obama's speech didn't even exist.



That's part of what change looks like in a democracy. Change is hard. Fixing what's broken is hard. Overcoming skepticism and fear of something new is hard. A lot of times folks would prefer the devil they know to the devil they don't.

But this law is doing what it's supposed to do. It's working. It's helping people from coast to coast, all of which makes the lengths to which critics have gone to scare people or undermine the law, or try to repeal the law without offering any plausible alternative so hard to understand. I've got to admit, I don't get it. Why are folks working so hard for people not to have health insurance? Why are they so mad about the idea of folks having health insurance? Many of the tall tales that have been told about this law have been debunked. There are still no death panels. Armageddon has not arrived. Instead, this law is helping millions of Americans, and in the coming years it will help millions more.

I've said before, I will always work with anyone who is willing to make this law work even better. But the debate over repealing this law is over. The Affordable Care Act is here to stay.



 *   Some explaining to do*Obama then immediately pivots to showing Democrats how to really go on offense on the whole issue: challenge your opponent to explain why these people should not be helped to live their lives better.



And those who have based their entire political agenda on repealing it have to explain to the country why Jeanne should go back to being uninsured. They should explain why Sean and his family should go back to paying thousands and thousands of dollars more. They've got to explain why Marla doesn't deserve to feel like she's got value. They have to explain why we should go back to the days when seniors paid more for their prescriptions or women had to pay more than men for coverage, back to the days when Americans with pre-existing conditions were out of luck -- they could routinely be denied the economic security of health insurance -- because that's exactly what would happen if we repeal this law. Millions of people who now have health insurance would not have it. Seniors who have gotten discounts on their prescription drugs would have to pay more. Young people who were on their parents' plan would suddenly not have health insurance.



 *   No more healthcare bankruptcies!*I've always felt that this is the best talking point to explain why Obamacare was passed in the first place: so that people don't have to go bankrupt to pay a hospital bill. It's a basic concept, which is why Obama hit it at the end of his speech once again.



But today should remind us that the goal we set for ourselves -- that no American should go without the health care that they need; that no family should be bankrupt because somebody in that family gets sick, because no parent should have to be worried about whether they can afford treatment because they're worried that they don't want to have to burden their children; the idea that everybody in this country can get decent health care -- that goal is achievable.



 

Chris Weigant blogs at:Follow Chris on Twitter: @ChrisWeigant
Become a fan of Chris on Huffington Post
Full archives of FTP columns: FridayTalkingPoints.com
All-time award winners leaderboard, by rank

  Reported by Huffington Post 1 day ago.

Zane Benefits Publishes New Information on Options for Switching Individual Health Insurance Plans

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Switching Individual Plans Outside of the Annual Open Enrollment Periods

Park City, UT (PRWEB) April 04, 2014

Today, Zane Benefits, the #1 Online Health Benefits Solution, published new information on options for switching individual health insurance plans.

According to Zane Benefits’ website, as of 2014, guaranteed-issue individual health insurance plans are available for the first time in the United States. Over 7 million people signed up for plans under the first ACA open enrollment period ending March 31, 2014.

Employers and employees should be aware that plans can be canceled at any time; however, now that open enrollment is closed, existing plans cannot be changed or replaced except during scheduled open enrollment periods or special open enrollment periods created by a qualifying event.

Individuals may be able to replace their current individual health insurance plans outside of open enrollment if they have an event that qualifies them for a special enrollment period. These periods typically last 60 days and give a person the ability to purchase a new plan.

Click here to read the full article.

About Zane Benefits
Zane Benefits, the #1 Online Health Benefits Solution, was founded in 2006 to revolutionize the way employers provide employee health benefits in America. We empower employees to take control over their own healthcare, while helping employers recruit and retain the best talent. Our online solutions allow small and medium-sized businesses to successfully transition to a health benefits program that creates happier employees, reduces costs and frees up more time to serve their customers. For more information about ZaneHealth, visit http://www.zanebenefits.com. Reported by PRWeb 1 day ago.

Kidcare Expansion For Legal Immigrants In Jeopardy

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A bill that would extend low-cost KidCare health insurance coverage to the children of legal immigrants faces legislative roadblocks --- not the least of them the doubts of Senate President Don Gaetz. Reported by cbs4.com 1 day ago.

Report: US exchange cheapest fix for Cover Oregon

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Connecting Oregon's health insurance exchange to the federally run marketplace would be the least expensive fix for the glitch-filled system, a report released Friday said. Reported by Miami Herald 1 day ago.

Even the healthy locked out of 2014 policies now

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Even the healthy locked out of 2014 policies now Washington — Americans thinking about buying health insurance on their own later this year, or maybe switching to a different insurer, are probably out of luck. Reported by detnews.com 1 day ago.

Even healthy locked out of buying '14 policies

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Even healthy locked out of buying '14 policies Americans thinking about buying health insurance on their own later this year, or maybe switching to a different insurer, are probably out of luck. The policies are going off the market as a little-noticed consequence of President Barack Obama's health care overhaul. Reported by Journal Gazette 23 hours ago.

Too late for many uninsured to sign up for ObamaCare

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WASHINGTON — Americans thinking about buying health insurance on their own later this year, or maybe switching to a different insurer, are probably out of luck. The policies are going... Reported by NY Post 20 hours ago.

Goal Met, Obamacare's Success Not Guaranteed

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Goal Met, Obamacare's Success Not Guaranteed Filed under: Health Care, Personal Finance, U.S. Government, Barack Obama, Health Insurance

*Eric Risberg/AP*Applicants wait to be called during a health care enrollment event at the Bay Area Rescue Mission in Richmond, Calif., last week.

By RICARDO ALONSO-ZALDIVAR

WASHINGTON -- Seven million people signed up, so there is an appetite for President Barack Obama's health care law, but that doesn't guarantee success for the country's newest social program.

Big challenges are lurking for the next enrollment season, which starts Nov. 15. Chief among them are keeping premiums and other consumer costs in check, and overhauling an enrollment process that was advertised as customer-friendly but turned out to be an ordeal.

"They have demonstrated the law can work, but we are a ways off from being able to judge its success," said Larry Levitt, an expert on health insurance markets at the nonpartisan Kaiser Family Foundation.

Republican opponents of the law keep pushing for a repeal, but as millions of people obtain insurance, how long can the party's strategy remain a politically viable option?

"What the Republicans need to really pay attention to is what they would do different from the Affordable Care Act," said economist Gail Wilensky, who ran Medicare under President George H.W. Bush.

"Just talking about repeal is not going to make it with 7 million people getting insurance on the exchange. And it has to be something reasonably credible ... it can't just be repeal. We are beyond that."

The source of the pent-up demand that propelled health care sign-ups beyond expectations could stem from the nation's new economic reality: a shrinking middle class and many working people treading water in low-paying jobs.

Health insurance has been one of the pillars of middle-class security for decades.
With fewer jobs these days that provide health benefits, there was an opening for a government program to subsidize private insurance.

Enter Obama.

When Medicare and Medicaid were created in the 1960s, policymakers took it for granted that people working steady jobs would have access to health care, said Len Nichols, director of the health policy center at George Mason University in Virginia.

That was "back in the day," Nichols said. "Our assumptions have been all along that you could buy what you needed. But you cannot. And that is why we are where we are."

It could take the rest of the year to sort out how many uninsured people have actually gotten coverage, the ultimate test of Obama's law.

Early statistics provided by the administration have not been useful, mingling uninsured people with those who previously had coverage.

But an ongoing Gallup survey has shown a steady drop in the share of Americans without insurance since Jan. 1, when the law's main coverage expansion took effect. Those numbers should improve because many people still can take advantage of extensions granted by the administration, and because those eligible for the law's Medicaid expansion can apply at any time.

Still, vindication for Obama's law isn't guaranteed. Among the top challenges:

*Affordablity*

Health insurance premiums tend to go up every year, so the question now is how much higher in 2015.

"How fast they go up will no doubt vary across the country," Levitt said. "Public judgment of the law will be influenced by how rapidly premiums rise."

There's a back-and-forth going on, he said. An improving economy and the law's taxes on insurers will tend to push up premiums. Mechanisms in the law to assist insurers with a disproportionately large share of high-cost patients will push down premiums.

The big unknown is what economic bets insurers made when they jumped into the markets created by the law. If they were conservative and figured a big share of costly cases among the newly insured, that would take some pressure off premiums for next year.

Another important affordability issue has to with deductibles and copayments that consumers have to pay when they use their insurance benefits. Many of the new plans have high out-of-pocket costs, a trade-off for keeping premiums low.

The advocacy group Families USA, which has supported the law from its inception, says the government should nudge insurers to cover more routine medical care outside of the annual plan deductible, the amount consumers pay before insurance kicks in. Right now it's mainly preventive services that are covered outside of the deductible.

*Overhauling the Sign-Up Process*

One of the law's main goals was to take the mystery out of purchasing insurance, in the same way buying a car is less intimidating these days because prices, quality ratings and loan rates are easily available on the Internet.

But even when the websites are working, the insurance exchanges are anything but easy to navigate.

Finding out what hospitals and doctors are in particular plans requires additional work. Also, experts say it's really difficult to get to a true bottom-line estimate that includes premiums and expected cost-sharing.

"The promise has not been realized," said Robert Krughoff, president of Consumers' Checkbook, a rating service that evaluates health plans for members of Congress and federal employees. "The law says the exchanges will assist consumers in making easy plan choices, and that has not been realized. But it could be."

One common recommendation is to provide consumers with much more in-person assistance to enroll and pick a plan. A change that might help meet that goal is to align sign-up season with tax filing because that could enlist the help of tax preparers.

As it stands now, the administration has scheduled open enrollment season to end on Feb. 15, 2015, right around when most people are just starting to think about filing their taxes.

Krughoff says better online tools are needed to estimate costs and find hospitals and doctors.

"I do think there are many cases where consumers will have joined plans that will cost them a lot more than they could have," he said.
 

Permalink | Email this | Linking Blogs | Comments Reported by DailyFinance 17 hours ago.

Zane Benefits Publishes New Information on The Growth of the Individual Health Insurance Market in 2014

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With Major ACA Provisions in Effect, the Market is Shifting More Than Ever

Park City, UT (PRWEB) April 05, 2014

Today, Zane Benefits, the #1 Online Health Benefits Solution, published new information on the growth of the individual health insurance market in 2014.

According to Zane Benefits’ website, the individual health insurance market is undergoing significant change. The Affordable Care Act (ACA) introduces new reforms that make individual health insurance more affordable and accessible, which means the individual health insurance market is about to explode.

With major provisions of the ACA now in effect, the market is shifting even more dramatically. Many industry experts say 2014 is the year of individual health insurance and predict a significant increase in the number of policy holders this year, and in the years to come.

Enrollment in the new Health Insurance Marketplaces has a lot to do with the growth (and projections), and CMS's predictions may be conservative. For example, the administration recently announced that more than 7 million people signed up for an individual plan during the first open enrollment period.

Click here to read the full article.

--

About Zane Benefits
Zane Benefits, the #1 Online Health Benefits Solution, was founded in 2006 to revolutionize the way employers provide employee health benefits in America. We empower employees to take control over their own healthcare, while helping employers recruit and retain the best talent. Our online solutions allow small and medium-sized businesses to successfully transition to a health benefits program that creates happier employees, reduces costs and frees up more time to serve their customers. For more information about ZaneHealth, visit http://www.zanebenefits.com. Reported by PRWeb 17 hours ago.

Obama: The GOP Budget Would Shrink Opportunity For Hard-Working Americans

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WASHINGTON (AP) — President Barack Obama says the Republican budget proposal would shrink opportunity and make it tougher for hard-working Americans to get ahead.

In his weekly radio and Internet address, Obama says House Budget Chairman Paul Ryan's budget gives massive tax cuts to the rich while cutting programs like education and research that spur job growth. The president says Republicans would also take away insurance from 7 million who enrolled through his health care law and would gut financial protections.

Obama says his own plan grows the economy from the middle out instead of the top down.

In the Republican address, Sen. Tim Scott of South Carolina says federal job-training programs are too scattered, bureaucratic and inefficient. He says Democrats should support Republican legislation to streamline the programs.

Read the president's full weekly address below, or watch his remarks above (via The White House):


Hi, everybody.

Today, our economy is growing and our businesses are consistently generating new jobs. But decades-long trends still threaten the middle class. While those at the top are doing better than ever, too many Americans are working harder than ever, but feel like they can’t get ahead.

That’s why the budget I sent Congress earlier this year is built on the idea of opportunity for all. It will grow the middle class and shrink the deficits we’ve already cut in half since I took office.

It’s an opportunity agenda with four goals. Number one is creating more good jobs that pay good wages. Number two is training more Americans with the skills to fill those jobs. Number three is guaranteeing every child access to a great education. And number four is making work pay – with wages you can live on, savings you can retire on, and health care that’s there for you when you need it.

This week, the Republicans in Congress put forward a very different budget. And it does just the opposite: it shrinks opportunity and makes it harder for Americans who work hard to get ahead.

The Republican budget begins by handing out massive tax cuts to households making more than $1 million a year. Then, to keep from blowing a hole in the deficit, they’d have to raise taxes on middle-class families with kids. Next, their budget forces deep cuts to investments that help our economy create jobs, like education and scientific research.

Now, they won’t tell you where these cuts will fall. But compared to my budget, if they cut everything evenly, then within a few years, about 170,000 kids will be cut from early education programs. About 200,000 new mothers and kids will be cut off from programs to help them get healthy food. Schools across the country will lose funding that supports 21,000 special education teachers. And if they want to make smaller cuts to one of these areas, that means larger cuts in others.

Unsurprisingly, the Republican budget also tries to repeal the Affordable Care Act – even though that would take away health coverage from the more than seven million Americans who’ve done the responsible thing and signed up to buy health insurance. And for good measure, their budget guts the rules we put in place to protect the middle class from another financial crisis like the one we’ve had to fight so hard to recover from.

Policies that benefit a fortunate few while making it harder for working Americans to succeed are not what we need right now. Our economy doesn’t grow best from the top-down; it grows best from the middle-out. That’s what my opportunity agenda does – and it’s what I’ll keep fighting for. Thanks. And have a great weekend.

Reported by Huffington Post 16 hours ago.

The recovery puzzle: A new factory in Ohio struggles to match jobs to job-seekers

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Bernie Coyle wants to hire people. In this hopeful moment in the recuperating American economy, he wants to give 40 new employees health insurance, dental insurance, good wages and a 401(k) plan with a company match, and then he wants to bring them to Fort Recovery, Ohio, where, on June 1, he is scheduled to open a new plant. Reported by Washington Post 7 hours ago.

Ky. jail signs up exiting inmates for health insurance

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Move is attempt to curb rising medical costs by taking advantage of expanded health care. Reported by USATODAY.com 11 hours ago.

Risperdal Lawsuit Attorneys at Wright & Schulte LLC Note New Study Linking Risperdal to Gynecomastia in Older Men

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Study Released as Risperdal Lawsuits Alleging Use of Antipsychotic Drug Caused Gynecomastia (Male Breast Growth) in Men and Boys Continue to Move Forward in Pennsylvania

Columbus, OH (PRWEB) April 06, 2014

Wright & Schulte LLC, an experienced law firm representing clients in Risperdal lawsuits, notes that a new study has linked use of the atypical antipsychotic medication to gynecomastia, or male breast growth. The release of the study, which was presented in March at the 2014 Annual Meeting of the American Association for Geriatric Psychiatry, comes as scores of Risperdal lawsuits alleging the use of the medication caused gynecomastia in boys and men continue to move forward in a mass tort litigation underway in Pennsylvania state court.

The new study looked at data from mental health insurance claims for more than 1 million men between the ages of 45 and 80. Nearly 8,300 of these subjects were reported to have gynecomastia, a condition marked by swollen and painful breast tissue, and sometimes a discharge from the nipple. Men who were taking Risperdal or Invega (which contains an active metabolite of the active ingredient in Risperdal) were 69% more likely to develop breast growth than those who took Seroquel or Zyprexa.

While the study only looked at older men, its authors cautioned that Risperdal and Invega can also cause gynecomastia in boys, and recommended that alternative antipsychotics be considered for male patients of any age.

According to court documents, more than 350 Risperdal lawsuits have been filed against Johnson & Johnson and its Janssen Pharmaceuticals unit in a mass tort proceeding underway in the Philadelphia Court of Common Pleas in Pennsylvania, all of which allege use of the medication caused patients to suffer serious side effects, including gynecomastia. Bloomberg News reported in October 2012 that Johnson & Johnson reached undisclosed settlements in five Risperdal gynecomastia claims filed in the Pennsylvania litigation just before the cases went to trial. Since then, court records indicate that some 80 Risperdal gynecomastia claims have been settled, though dozens remain unresolved and filings continue. (In Re: Risperdal Litigation, Case ID. 100300296)

This past November, Johnson & Johnson and Janssen reached a settlement with the U.S. Department of Justice in which they agreed to pay $2.2 billion to resolve criminal and civil charges involving improper off-label marketing of Risperdal and other drugs. Among other thing, federal prosecutors had charged that Risperdal was improperly marketed for use in children before it was approved for such uses in 2006. The government had also charged that the companies marketed Risperdal as a treatment for elderly dementia patients, an indication for which it has not received regulatory approval. Finally, Johnson & Johnson and Janssen were accused of concealing Risperdal side effects, including the risk of male breast growth.

Victims of gynecomastia allegedly associated with the use of Risperdal may be eligible to file their own Risperdal lawsuit. To learn more, or to arrange for a free legal consultation with an attorney at Wright & Schulte LLC, please visit yourlegalhelp.com, or call 1-800-399-0795.

About Wright & Schulte LLC
Wright & Schulte LLC, an experienced personal injury firm, is dedicated to the belief that America’s legal system should work for the people. Every day, the attorneys of Wright & Schulte LLC stand up for the rights of people who have been injured or wronged and fight tirelessly to ensure that even the world’s most powerful corporations take responsibility for their actions. If you’re looking for a law firm that will guarantee the aggressive and personal representation you deserve, please do not hesitate to contact Wright & Schulte LLC today. Free Risperdal lawsuit case evaluations are available through yourlegalhelp.com or by calling 1-800-399-0795.

Contact:
Wright & Schulte LLC
812 East National Road
Vandalia, Ohio 45377
1-800-399-0795
http://www.yourlegalhelp.com
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[http://www.adverseevents.com/monitor/2014/03/18/risperidone-linked-to-higher-rates-of-gynecomastia-compared-to-other-antipsychotics/, Adverse Events, March 18, 2014]
[http://www.Bloomberg.com/news/2012-10-04/johnson-johnson-agrees-to-settle-five-rispersal-suits.html, Bloomberg News, October 10, 2012]
[http://www.justice.gov/opa/pr/2013/November/13-ag-1170.html?source=email_rt_mc_body&app=n, DOJ, November 4, 2013] Reported by PRWeb 21 hours ago.
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