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Feds Raid Rentboy.com -- Are We Any Safer?

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Great news for Craigslist: The Department of Homeland Security just raided Rentboy.com, shutting down the best way for escorts and clients to connect in a safe, open environment.

And good for DHS, because prostitution is bad, right? Well, that's what they say. United States attorney Kelly T. Currie told reporters the site was an "internet brothel." But if sex work is so harmful, why do so many major medical and human rights groups actually support decriminalization?
The story that we tell ourselves is that sex work is banned in order to protect victims of trafficking and exploitation. And while that's a worthwhile goal, there's just one problem: Arresting people who exchange money for sex may not stop exploitation, and in fact might make things worse.

There are approximately 70 countries where prostitution is legal or regulated, so we can see the effect that sex work laws have.

For example, Germany legalized prostitution in 2001. A decade later, trafficking had decreased by 10 percent. New Zealand legalized it in 2003, and after five years a report found zero incidents of trafficking. But they DID find that sex workers were more likely to report violence when it occurred.

After Canada legalized prostitution, sex workers experienced fewer homicides -- and according to some reports, law enforcement harassment has made sex work more dangerous.

We even know how legal prostitution works in the US, since some Nevada counties regulate brothels. Researchers from the University of Nevada found brothels enforce monthly STI checks, mandatory condom usage and panic buttons in every room. Compare that to the NYPD, which has accused women of prostitution for carrying condoms. Not exactly a great way to encourage safe sex.

But the best test of American prostitution may be Rhode Island, which accidentally legalized it in 1980. Nobody noticed the loophole until 2003, and it took the state until 2009 to re-ban sex work. But guess what happened during those intervening six years? Rates of female gonorrhea dropped by 39 percent. And rapes reported to police declined by 31 percent.

No wonder those Nevada researchers concluded "brothels offer the safest environment available for women to sell consensual sex acts for money."

So who actually benefits from criminalization? Well, the people who exploit sex workers, such as pimps and traffickers. Without sites like Rentboy, sex workers are more likely to rely on unsafe marketplaces (like street corners) and dangerous traffickers (like pimps).

But law enforcement can also benefit from the criminalization of sex. After the Rentboy raid, agencies seized $1.4 million from the company, which they can just keep for themselves. DHS even went so far as to send agents undercover to Rentboy events, in a twist that is bizarrely similar to the movie Exit to Eden.

And who suffers when sex work is illegal? The workers, who are unable to access labor protections like minimum wage, health insurance and safety standards.

Now to be fair: there is conflicting research on the effect of decriminalization. One study found that countries with legalized prostitution have larger trafficking inflows. But the study's own authors called that evidence "tentative" and added that "there is no 'smoking gun' proving that" legalization leads to more trafficking. In fact, the study concludes that legalization actually presents "potential benefits" to sex workers.

That's probably why leading human rights and medical groups support decriminalization, including Amnesty International, the World Health Organization, Human Rights Watch, UN Women, the Global Alliance Against Trafficking in Women, The Lancet and many many more.

In fact, just last week, a coalition of LGBT legal organizations issued a statement in support of decriminalization worldwide. What perfect timing -- here we have a case right in our own country of LGBTs being targeted for harassment and prosecution. These organizations will hopefully take a stand to support workers affected by DHS's Rentboy.com vendetta.

Yes, sex slavery and trafficking are terrible problems, but criminalization of consensual sex work doesn't solve it. Sex work isn't sex slavery. Exploitation and trafficking are illegal, and those are the crimes worth investigating.

The time that DHS spent chasing down consenting adults connecting online could have been spent investigating actual crimes with actual victims. But it wasn't.

And why was Homeland Security involved in an attack on sex workers? It's hard to say. The agency has a mandate to protect "cyberspace." But how does shutting down an escort service do that? Beats me.

-- This feed and its contents are the property of The Huffington Post, and use is subject to our terms. It may be used for personal consumption, but may not be distributed on a website. Reported by Huffington Post 16 hours ago.

Investors Are Worrying About Puerto Rico's Debts While Puerto Rican-American Citizens Are Dying Due to Lack of Decent Health Care

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Puerto Rico is imploding. Every major media outlet in the world has written about our government's failure to repay billions in loans to the United States and private investors who put their money into government bonds. Politicians are arguing over whether to send in a Federal Control Board to run the money that doesn't exist, and the government-owned water and electric companies cannot declare bankruptcy, but don't know how much longer they can keep our utilities on. Truly, it's a crisis of massive proportions for the almost four million residents of the commonwealth island that is, in fact, home to United States citizens.

I know exactly what is going on because I live in Puerto Rico and operate a wedding planning business here. And the young man I'm going to tell you about was featured on my TLC reality show "Wedding Island," filmed on Vieques, Puerto Rico.What we don't read about in the international news coverage - and we should - is that Puerto Rico's lack of medical care for its American citizens is literally killing them.

Occasionally, you hear about the atrocious health care system in Puerto Rico, but that's never the highlight of the stories. Everyone is worried about the money, not the people. As a resident and business owner in Puerto Rico for the past eight years, I have seen this dysfunctional system in action repeatedly. And now I'm going to tell you about a young, highly-decorated Puerto Rican cop who almost died because of neglect in a Puerto Rican hospital.

Agente Andy Ramos, a Brooklyn-born transplant to the island, has been a cop in one of the most dangerous places in the United States for 13 years. He consistently has the most arrests and convictions in his district (Vieques Island, located seven miles off the coast of Puerto Rico), and has received numerous awards for his service. He lives where he works, and is married to his high school sweetheart Angelica. They have two small children. Like all Puerto Ricans, they are dependent on the health care available on Vieques, or must travel to the main island of Puerto Rico.Andy, age 34, developed a bad cough this spring. The Vieques hospital's X-ray machine was broken (more common than not), and so they diagnosed him with a bronchial infection and gave him antibiotics. When it didn't improve in a few weeks, they gave him another prescription. A month later, when he was coughing up blood, he took himself to a hospital on the big island with actual equipment. The small regional hospital took one look at his chest X-ray and sent him to Centro Medico, the biggest hospital in Puerto Rico, for care.

Chest X-rays and CT scans revealed a 6 ½ centimeter mass in his lung, so they did a biopsy. He had to wait for three weeks in the hospital for results, all of which came back "inconclusive." They did another biopsy and sent him home at the end of July, promising results by August 27th, a month later.

To give an average American real perspective, in Puerto Rico, you must bring your own blankets and pillows to the hospital. The nurse/patient ratio is ridiculously high. And IV poles don't even have monitors on them unless you are in the critical care unit so your IV bag runs dry and nobody even knows it. The entire time Andy was in Centro Medico, nobody ever had an oxygen saturation tab on his finger despite the fact he was struggling to breathe. So being released from the hospital was both a blessing and a curse. In Andy's case, it was a blessing.

Knowing something was terribly wrong and he might not be able to travel for a long time once the results came back, Andy flew to New York City to visit his family in Brooklyn. Shortly after his arrival in the city, he became very ill and unable to breathe due to the coughing. His family wisely took him to the emergency room at New York Presbyterian/Columbia University Medical Center. Within a few days, this young cop was diagnosed with Stage 3 lung cancer. He began chemotherapy almost immediately.

Because the Puerto Rican medical system failed him, the cancer has progressed to the point where the tumor cannot be operated on until its size has been reduced through chemo and radiation. The tumor has invaded his trachea, which is what caused the coughing that initially alerted them to the problem in May. It's been growing and eating him alive for four months that we know about, and we can all agree that is unacceptable. The vast majority of doctors in Puerto Rico receive some or all of their medical training at medical schools stateside. The fact that the island's healthcare is caught in the 1950s in unacceptable. Puerto Rico is not Cuba.

Furthermore, the doctors in New York have contacted the physicians who treated Andy at Centro Medico in Puerto Rico twice for information about his initial admission to the hospital and to get copies of the scans so they can measure growth, but Centro Medico has been completely unresponsive. It's as if they do not care what happens to their patients. In order to get medical records released, every doctor in the file must "sign off" on their individual records and then, the hospital requires 15 days to provide copies to an outside source. Again, Puerto Rico is at least 50 years behind the times.

The fact that Andy's cancer had been diagnosed now and he has begun treatment is a great thing, and he couldn't be in a better place. But in order to get a diagnosis and treatment for what is a fairly common cancer, he had to travel thousands of miles away and end up sick in a hospital in New York. His wife, children and family are still in Puerto Rico. He has family in Brooklyn to support him, but as anybody who has ever been through a major medical problem knows, you need your spouse with you for strength when the going gets tough. And for Andy, it's already tough and getting uglier.

What makes it worse is that, although Andy is a veteran police officer and his wife has a full-time job, there will never be enough money to cover the costs of dealing with this tragic situation. Nevermind the actual medical bills, it costs more than $100 one-way just to fly to San Juan to catch a flight to the states. Plus child care, accommodations, and basic expenses of trying to survive in Manhattan under these circumstances.Puerto Rico doesn't have the same sort of "Cop Family" structure that exists stateside. The "Thin Blue Line" isn't as solid as it is up north. Even if a police officer is killed in the line of duty, the death benefit to his family is tiny, and by law, must be split between his wife, parents and children. So obviously, there's nothing in place at all to support the very brave Policia de Puerto Rico when they are very sick, despite the fact they put their lives on the line every day on an island that has literally become the largest entry point into the United States for drug traffickers. In my opinion, as a cop wife, it's disgusting. His friends have set up a fundraising site to help his family, but as we all know, it will never be enough to offset what this medical nightmare will cost them to keep this husband, father and cop alive.All Puerto Ricans are American citizens. And it doesn't matter what they do to extend additional health insurance coverage to citizens of the island if the health care offered is substandard. There are private hospitals with better reputations and who specialize in cancer, and maybe they could have helped Andy Ramos if Centro Medico had brought in consults or transferred him someplace else for care. But instead, they sent him home for a month to let the tumor continue to grow and take over his body. This isn't a man who neglected his health - he has never been a smoker or abused his body - he went for help and the Puerto Rican health care system failed him. Miserably.

The media isn't wrong about what a disaster the Puerto Rican government has become, it's just not taking a close enough look at the real people who are affected by its failure. We're reading about the unpaid debt by the island. Not the atrocities the island is committing against the legitimate tax paying citizens there.

Tens of thousands of skilled Puerto Ricans, many of them in the medical profession, are leaving the island in droves annually. They're headed stateside where they can practice REAL medicine with CURRENT equipment and SAVE lives. Puerto Rico can't force them to stay - they'll never be able to pay off their medical school loans if they do. But the consequences to the population are tragic, and getting worse every single day.

Agente Andy Ramos is a real person. He's a decorated police detective, and an excellent father and husband. The fact that he happened to relapse during a visit to his family in New York City is the only reason that he will survive this battle with cancer. And he will survive. Puerto Ricans are strong people used to fending for themselves when the government fails to provide basic things - such as adequate medical care - to its people. Andy has health insurance and a job. He wasn't a charity case who got ignored. He's a decorated cop who should have gotten the best possible care but the island he's dedicated his life to protecting has failed him.

It's time for Puerto Rico and the U.S. media who are covering its demise to take a closer look at the real, hard-working American citizens there who are suffering from the government's mismanagement of funds and general disregard for public welfare. How many good young men have to die before somebody stands up and says "THIS IS WRONG" and we must do something about it?

The United States sent more medical equipment, doctors and assets to Haiti after its earthquake, and to Japan after its tsunami, than they provide to Puerto Rico's American citizens. Puerto Ricans who can afford to leave the island to seek medical care do so immediately, those who can't are at the mercy of outdated equipment and overloaded, understaffed hospitals. Puerto Rico is broke and that's a huge problem, but before anybody can restructure the government to make it work, we have to help keep our American citizens alive on this island. And right now, the United States is failing its citizens. Because that's what all of the residents of Puerto Rico are - we are Americans. And our government should be ashamed of itself.

-- This feed and its contents are the property of The Huffington Post, and use is subject to our terms. It may be used for personal consumption, but may not be distributed on a website. Reported by Huffington Post 16 hours ago.

Washington health insurance rates to go up 4.2 percent

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The rate increases approved Thursday by the Office of the Insurance Commissioner are lower than the insurance companies had requested. Reported by Seattle Times 17 hours ago.

These Countries Show Why Losing Birthright Citizenship Could Be A Disaster

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A significant portion of the GOP presidential field wants to end birthright citizenship for the children of undocumented immigrants, either by amending the Constitution or by denying altogether that it confers that right. One of their central arguments is that other countries don't give everyone who is born there automatic citizenship -- so why should we?

"We're the only place just about that's stupid enough to do it," businessman and GOP presidential candidate Donald Trump said last week.

Other countries do have birthright citizenship, although most do not. While the U.S. confers citizenship based on jus solis, or “right of the soil,” many others base it on jus sanguinis, or “right of blood.” But that doesn't mean the U.S. needs to follow their example.

Supporters of birthright citizenship say there are a number of reasons it should be maintained. It's part of the Constitution. Attempts to restrict it have historically been motivated by racist fears of immigrants and their children. Ending it would be a bureaucratic nightmare. The most extreme consequence would be a massive group of stateless people -- neither citizens in the U.S. nor in foreign countries.

It's true that many other countries don't have birthright citizenship. But those countries have problems of their own.

-*Germany*-

Germany’s stringent citizenship laws created a vast underclass of second- and third-generation Turkish migrants, who still struggle today for equal opportunities and protection from racism.** **

Germany invited hundreds of thousands of foreigners into the country as part of its guest worker program in the 1960s, including an estimated 750,000 people from Turkey. It was meant to be a temporary measure to address labor shortages, and the workers did not receive German citizenship. But around half of the Turkish workers stayed and had children and grandchildren in the country. Today, around 2.5 million of Germany’s population of 82 million have Turkish heritage.

The lack of birthright citizenship left some deep-rooted problems. Germany was initially slow to integrate its Turkish workers, never expecting them to stay.  Second-generation students are more likely to go to worse schools, and foreign-born workers have lower median incomes. German Turks fear mounting racism and Islamophobia as the far-right movement PEGIDA, or the Patriotic Europeans against the Islamization of the West, has increased in prominence in some German cities.   

In recent years, Germany has relaxed some of its barriers to citizenship. In 2000, Germany began allowing children born in the country to become citizens if one of their parents has stayed in the country legally for eight years. In 2014, Germany removed another obstacle for second-generation migrants by lifting a ban on dual citizenship for people from non-EU countries, as long as they had spent eight years in the country.

-*Dominican Republic*-Traditionally, most people born in the Dominican Republic have claimed citizenship in that country. But as tensions rose following widespread migration from neighboring Haiti, the Dominican government eliminated birthright citizenship with a series of legal changes dating back to 2004. The new standard is enshrined in the 2010 Constitution, and a 2013 decision by the country’s Constitutional Court obliged the government to apply the standard retroactively.

The changes prompted a flood of international criticism and the creation of a stateless population estimated by some human rights groups to be as high as 200,000 people -- including 60,000 children. The vast majority of these people are of Haitian descent and black, fueling suspicions that racism played a role in prompting the changes.

Without proper citizenship documents, many children can't attend public high schools, and adults have trouble working in the formal economy. Some people who have worked in the country for decades -- oftentimes in some of the most onerous jobs available, like cutting sugar cane or working as a home servant -- now face the risk of deportation, separation from their families and the forfeiture of their pensions. The Dominican government implemented a national “regularization plan” to help undocumented immigrants and Dominican-born people of Haitian descent normalize their status, but international human rights groups have widely criticized its effectiveness.

-*Japan*-

Hundreds of thousands of Koreans have lived for decades without citizenship rights in Japan because of the country’s strict nationality laws.

Following Japan’s annexation of Korea in 1910, an estimated 2 million Koreans moved to the island nation, seeking economic opportunities and due to forced conscription during World War II. After the war ended in 1945, around 600,000 Koreans remained in Japan out of both choice and economic necessity. Japan revoked their citizenship, and the Koreans became known as the “Zainichi,” Japanese for “residing in Japan.” They lost their voting rights, faced mandatory fingerprinting and were barred from most jobs. 

The Korean community never had much chance to integrate. Because Japan’s nationality laws are based on parentage rather than place of birth, their children faced the same patterns of exclusion. Very few Koreans tried to naturalize as Japanese citizens, which would have required them to take on Japanese names and renounce their right to South Korean citizenship. Zainichi Koreans fought long battles to gain access to Japan’s national health insurance and state pensions. Korean language schools are underfunded, and until the late 1990s their pupils could not take the university entrance exam. Koreans also faced widespread discrimination, causing some to hide their Korean heritage for decades.

In the 1980s and 1990s, Japan gave Zainichi Koreans permanent resident status and rolled back some of the discriminatory measures -- opening up some jobs, recognizing Korean schools and allowing Koreans who want to become citizens to keep their names. Increasing numbers of Koreans are becoming Japanese citizens, although over 565,000 registered Korean residents remain non-citizens, according to official figures from 2010. Many Koreans still face discrimination in jobs and housing, and are concerned by the rise of far-right anti-Korean groups. 

-*Kuwait*-More than 100,000 people living in Kuwait are denied citizenship, even if they were born in the country and even if their mothers are Kuwaiti citizens. The country's problem dates back to its independence in 1961. At that time, some residents were either unable or failed to register with the government because they didn't know they needed to, lacked documentation or had another issue. The country also only allows fathers to pass on citizenship, so even if someone was born in the country and their mother is a citizen, they are not eligible unless their father is as well.

The government claims that most people in the Bidoon group, so-named because they are without nationality, are foreign nationals who want to claim citizenship to receive government benefits. In reality, most of the Bidoon are stateless.

The government began to call the Bidoon "illegal residents" in the 1980s and put limits on their ability to work or receive benefits. Bidoon have been denied certificates for births, marriages and deaths, along with the education and health care benefits afforded to Kuwaiti citizens. Their access to benefits remained poor even after the government broadened citizenship eligibility amid civil unrest in 2011.

Last year, the government came up with a potential solution that would help Bidoon people register for citizenship -- just not in Kuwait. Instead, the country set up a deal with Comoros, which would offer passports to Bidoon in exchange for money from the Kuwaiti government. The plan comes with a major catch for the Bidoon, perhaps considered a benefit to the Kuwaiti government. Officials say they have no plans to deport all of the Bidoon people, but giving them citizenship elsewhere would make doing so much easier.

-- This feed and its contents are the property of The Huffington Post, and use is subject to our terms. It may be used for personal consumption, but may not be distributed on a website. Reported by Huffington Post 16 hours ago.

Fitch Affirms Aflac Inc.'s Ratings; Outlook Stable

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CHICAGO--(BUSINESS WIRE)--Fitch Ratings has affirmed Aflac Inc.'s (Aflac) 'A' long-term Issuer Default Rating (IDR) and the 'A+' Insurance Financial Strength (IFS) ratings of Aflac's insurance subsidiaries. The Rating Outlook is Stable. A complete list of ratings appears at the end of this release. KEY RATING DRIVERS The affirmation of Aflac's ratings reflect the company's extremely strong competitive position in the supplemental accident and health insurance markets in Japan and the U.S., its Reported by Business Wire 16 hours ago.

How Two Harvard Grads Want To Change The Face Of Health Insurance

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HoneyInsured wants to make signing up for insurance just another quick task -- and promises to cut the process down to five minutes. Reported by Forbes.com 4 minutes ago.

Recondo Improves Cost Transparency and Patient Collections with New Service Supporting Epic's Benefit Collector

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DENVER, Aug. 28, 2015 /PRNewswire/ -- A historic rise in high-deductible health insurance plans has US hospitals struggling to give newly price-conscious patients an accurate estimate of their share of healthcare costs. At the same time, with an increasing share of their revenue... Reported by PR Newswire 11 minutes ago.

The Troubling Decline Of Financial Independence In America

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The Troubling Decline Of Financial Independence In America Submitted by Charles Hugh-Smith of OfTwoMinds blog,

If you can't work for yourself and afford health insurance, something is seriously messed up.

*By financial independence, I don't mean an inherited trust fund--I mean earning an independent living as a self-employed person.* Sure, it's nice if you chose the right parents and inherited a fortune. But even without the inherited fortune, financial independence via self-employment has always been an integral part of the American Dream.

Indeed, it could be argued that *financial independence is the American Dream* because it gives us the freedom to say Take This Job And Shove It (Johnny Paycheck).

*This chart shows the self-employed as a percentage of those with jobs (all nonfarm employees).* According to the FRED data base, there are 142 million employed and 9.4 million self-employed. (This does not include the incorporated self-employed, typically physicians, attorneys, engineers, architects etc. who are employees of their own corporations.)

*This chart depicts self-employment from 1929 to 2015.* Self-employment plummeted after World War II as Big Government and Big Business (Corporate America) expanded and the small family farmer sold to agri-business or went to the city for an easier living as an employee of the government or Big Business.

Self-employment picked up as the bulk of 65 million Baby Boomers entered the work force in the 1970s. Not entirely coincidentally, a 30-year boom began in the 1980s, driven by financialization, technology and the explosion of new households as Baby Boomers got jobs, bought homes, etc. These conditions gave a leg up to self-employment.

*Self-employment topped at around 10.5 million in the 1990s, and declined sharply from about 2007 to the present.* But the expansion of self-employment from 1970 to 1999 is somewhat deceptive; while self-employment rose 45%, full-time employment almost doubled, from 67 million in 1970 to 121 million in 1999.

*Financial independence means making enough income to not just scrape by but carve out a modestly middle-class life.* If we set $50,000 as a reasonable minimum for that standard (keeping in mind that households with children recently estimated they needed $200,000 in annual income to get by in San Francisco), we find that according to IRS data, about 7.4 million self-employed people earn $50,000 or more annually.

*This works out to a mere 6% of the full-time work force of 121 million*, and only 5% of the employed work force of 142 million.

*There are a number of reasons for the decline of financial independence/self-employment.* I cover the fundamental changes in the economy in my book Get a Job, Build a Real Career and Defy a Bewildering Economy.

*But there are other less structural reasons, such as nonsensically complex and costly regulations*--a topic explained here recently by entrepreneur Ray Z. in Our Government, Destroyer of Jobs (August 12, 2015).

As many readers pointed out, these complexity barriers limit competition to Corporate America chains and provide make-work for government employees and politically protected guilds.

*What's the difference between a Socialist Paradise where 95% of the people work for the state or a quasi-state institution, and a supposedly "free market economy" in which 95% of the people work for the state or a cartel-state institution?* Given that the vast majority of employees are trapped in their jobs by the threat of losing their healthcare insurance, how much freedom of movement and non-inherited financial independence is available?

This reality is described in Health Care Slavery and Overwork (via Arshad A.)

*True financial independence is probably even scarcer than these bleak numbers suggest.* As a self-employed person myself, I have to pay my own healthcare insurance costs --a staggering $15,300 per year for bare-bones coverage for the two of us (no meds, eyewear, dental, $50 co-pay for everything, etc.).

*Only 3.9 million taxpayers took the self-employed health insurance deduction.* That's a pretty good indicator of how many taxpayers are actually living solely on their income, that is, they don't have a spouse who has family healthcare coverage via a government or corporate job.

*That's a mere 2.7% of all 142 million employees.* If you can't work for yourself and afford health insurance, something is seriously messed up.

Endangered Species: The Self-Employed Middle Class Reported by Zero Hedge 22 hours ago.

Elizabeth Warren And Joe Biden Used To Battle Over Economic Inequality

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WASHINGTON -- Vice President Joe Biden thinks Sen. Elizabeth Warren (D-Mass.) can help him look good as a presidential contender, probably because he knows firsthand she can make him look bad. Biden met with Warren this week in an effort to boost his income inequality credentials as he explores a presidential bid. Warren is the Democratic Party's standard-bearer on economic policy issues, and like many in his party, Biden is concerned that current frontrunner Hillary Clinton isn't a credible messenger for middle-class economics.** **

Warren hasn't endorsed any 2016 candidate. But 10 years ago, Biden was one of her most prominent adversaries on Capitol Hill. The pair clashed during the George W. Bush years over a Biden-backed bankruptcy bill, which Warren criticized as a naked effort to boost credit card company profits at the expense of struggling families. Biden ultimately won the legislative battle, but the consequences of the bill's passage have closely tracked to Warren's downbeat predictions.** **

Credit card lobbyists and other proponents of the bankruptcy reform Congress passed in 2005 said debtors were abusing the bankruptcy process by deliberately piling on debt they knew they couldn't repay, then stiffing their creditors by filing for bankruptcy protection. By filing for bankruptcy, households can have their debts discharged if they turn over many of their assets to creditors. It gives borrowers a chance to start over without heavy credit card debts, albeit with ruined credit.

The fight over the bankruptcy bill transformed Warren from a respected Harvard academic into a political force in Washington. She became the bill's most prominent critic, publishing influential research showing that roughly half of bankruptcy filers had been pushed to the brink by medical bills.

"One million men and women each year are turning to bankruptcy in the aftermath of a serious medical problem, and three-quarters of them have health insurance," Warren said in testimony before the Senate Judiciary Committee in February 2005. "A family with children is nearly three times more likely to file for bankruptcy than an individual or couple with no children."** **

Biden accused Warren of making a "mildly demagogic argument," but acknowledged that he didn't disagree with the facts she presented. Instead, he seized on the medical bills, asking why creditors like gas stations, car dealers and lawn service companies should have to foot the bill for people's health care costs. Notably, Biden didn't mention the plight of credit card issuers, which have long been a major employer in his home state of Delaware.

*Listen to Warren's standoff with Biden in the podcast above. The exchange begins during the 44th minute.*

"We have a broken health care finance system in the United States," Warren replied. "Until we fix the broken health care finance system, those families have to turn somewhere. And that means now, they turn as a last-ditch effort to the bankruptcy court."** **

"And that means that they turn to asking people that they borrowed money from to pay for their health care costs," Biden said. "Right? Isn't that literally correct?"** **

Warren said Biden was right to point out the health care industry was saddling the broader economy with very high costs. But she countered that the credit card industry was essentially pre-compensating itself for bankruptcies with big fees and high interest rates.

After a little more back-and-forth, Biden smiled. "You're very good, professor," he said, drawing laughter from many in the room.

The 2005 law was designed to make it both more difficult and less desirable for people to file for bankruptcy. It succeeded on both counts.

The average attorney fee consumers had to pay for a Chapter 7 bankruptcy went from $712 in early 2005 to $1,078 two years later, according to a June 2008 audit by the Government Accountability Office, an investigative arm of Congress. The number of  bankruptcies, moreover, immediately declined dramatically. The law boosted profits for the credit industry, which didn't pass savings to consumers as the bill's proponents had promised. 

This decline in the number of bankruptcy cases, of course, didn't reflect any improvement in household finances. Many financial experts believe that the bill exacerbated the foreclosure crisis that began inundating the country in 2007. Although residential mortgage debt can't be eliminated in bankruptcy, the inability for struggling households to discharge other debts made it harder for families to meet their mortgage payments after a job loss during the recession. In 2009, Warren published another study concluding that the percentage of bankruptcy filings attributable to medical bills had increased in the years following the legislation's passage.

Though Republicans provided most of the bill's support, Biden wasn't the only Democrat who joined them. And his potential presidential rival Hillary Clinton took a multiple-choice approach to bankruptcy legislation over the years. As first lady, she was an influential opponent of the legislation. As a senator in 2001, she supported it. The 2001 version of the bill did not pass, and Clinton did not cast a vote on the 2005 bill that did.

-- This feed and its contents are the property of The Huffington Post, and use is subject to our terms. It may be used for personal consumption, but may not be distributed on a website. Reported by Huffington Post 21 hours ago.

Census Bureau: 2013 Income, Poverty, and Health Insurance Products Based on Redesigned Current Population Survey Annual Social and Economic Supplement Questions

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WASHINGTON, Aug. 28, 2015 /PRNewswire-USNewswire/ -- The Census Bureau is releasing a new selection of data products on income, poverty, and health insurance coverage in 2013. These products include: A full set of 2013 income and poverty tables using only the redesigned income... Reported by PR Newswire 21 hours ago.

Substance Abuse Problems Plague Businesses: New book, "Unraveling The Psychological Mystery Of Addictions" by Dr. James Strawbridge, Addictions Specialist, Offers Help.

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Employees are abusing drugs and alcohol in white collar and blue collar businesses across America. Addictions specialist, Dr. James Strawbridge, offers a new approach and information on causes in new book, "Unraveling The Psychological Mystery of Addictions."

Boynton Beach, FL. (PRWEB) August 28, 2015

Drugs and alcohol abuse by employees is creating problems for businesses nationwide. Addictions specialist, Dr. James Strawbridge, gives a new approach on solutions in his new book ":Unraveling The Psychological Mystery of Addictions." Strawbridge believes that it should begin with the employer and employees getting together for meaningful group meetings. "This would educate the employees on not only possible causes for substance abuse, but ways to treat it," advises Strawbridge.

One of the leading causes is stress, according to the book. The various ways to treat it are discussed.

During an employee meeting, the effect of substance abuse on both the business and the employees shows that it causes health insurance and workers compensation premiums to increase and more absenteeism.

Dr. Strawbridge points out the various ways the abuser can be helped. Not only are there support groups like Alcoholics Anonymous, but counseling to employees. Often the best help can come from intervention sessions with family members and friends. Reported by PRWeb 21 hours ago.

A Katrina Anniversary Tribute: To a Truly Resiliant New Orleanian

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I did not realize ten years ago this week that, I would never again live in New Orleans, but I am astonished that after so many years I cannot talk about this anniversary of Hurricane Katrina without my voice cracking.

That said, I am so tired of the self-congratulatory narrative that I want to scream when I hear someone say "resilience." Admittedly, today is not the time to challenge the recovery narrative flooding the worldwide airwaves. I concede that New Orleanians are entitled to mark their impressive accomplishments over the past decade as they have throughout their continuous history--with the self-absorbed feeling of entitlement and exceptionalism in the face of environmental, human, and economic challenges that have long plagued the "city that care forgot."

In deference to the best friends and the best community I ever enjoyed during my 22 years of residency, I will restrain my anger and, instead, give into the sadness. So here is my anniversary tribute: to an largely unknown, but not atypical, New Orleans' woman who loved the city and her family, who fought to make her life there, and who lost her battle to return. I have changed her name, because she would have wanted it that way.

For Lila, Katrina started out as just another one of the many forces beyond her control, which had buffeted her life. She was a lifelong New Orleans' resident and an unwavering Saints fan through the bad and not-so-good years. She was the face of both the city's strength and its shame.

Lila's life was focused on "doing well by her children" and attending to her family's needs. She was literate although not highly educated, acutely aware of the city's promise and problems, but not very active outside her children and large family of 19 brothers and sisters. There was not much time for political protest, church-based activities, or even self-pity. Welfare "reform" meant that Lila had to work multiple jobs to make ends meet. Thus, she always worked at least two jobs, none ever provided health insurance; she alone attended to the needs of her three children; and before her mama's death, Lila was one of her primary caregivers.

Lila used to enjoy following the Mardi Gras Indians around the city on Fat Tuesday, attending at least one day of Jazz Fest, and celebrating New Year's Eve in N'awlins style, fireworks but not randomly shooting guns. In recent years she confessed to being too tired to do much on these occasions. She never complained, however, not even when the Saints were at their heart-breaking worst, and everyone else was burning up the phone lines into talk radio shows and bombarding the newspaper with letters.

Lila was a diligent, dependable, and honest worker. At the restaurant she accepted double shifts and always apologized when she was late or missed work due to hours of waiting at the city's "Big Charity" hospital clinic to get health services for herself or her children. She never abused the fact that she would receive her full weekly salary even if she missed a day or two of work. Lila was proud; she did not want handouts.

Lila was a gentle and thoughtful person, who never complained about her extraordinary bad luck. Her oldest daughter had a congenital disease, an out-of-wedlock teen-age pregnancy, an accidental arrest, and a debilitating automobile accident that required extensive recuperation. Still her daughter married the husband of her children, became computer proficient, and was within a year of graduating Tulane University, when Katrina struck.

Lila's son, who looks like he could have been a model, was not so lucky. He finished high school and was set to join the army until a security guard followed him out of a drug store, falsely accused him of stealing, and then shot him. He recovered but never regained full flexibility in his arm. Despite numerous appeals, the Army refused to take him. He used part of his legal settlement from the shooting to surprise his mamma with a new car, but he fell in with the wrong crowd and wound up in jail in Texas. When his case was overturned on appeal, Lila had to hire a lawyer to force the state to free him. Two years later, the son was running a legitimate business when Louisiana decided he had not served enough time in Texas. Lila hired another lawyer, who had not succeeded in securing his release from the state prison when Katrina hit. Instead of tending to his business, her son was in Angola Prison tutoring fellow inmates preparing to take their high school equivalency exam. Lila never understood why Louisiana was so stubborn about punishment for a nonviolent crime, or why the state refused to say when they would release her son. Although her son was the tragic victim of racial stereotyping and an insensitive and biased criminal justice system, which was robbing him of his future, Lila never openly expressed outrage.

Lila saw her "baby" graduate high school. She had worked especially hard to ensure that she attended a public school where she had a chance of learning. This often meant trying different schools each year. When her daughter was entering her sophomore year, Lila had to miss several days of work to try to enroll her in a safer high school. She made fruitless trips to various schools to secure records and fill out forms, and spent countless hours calling school board offices for information. Finally, a friend helped her write a letter to the newspaper documenting her experience. It was so outrageous that the Times-Picayune published it. The next day, the Superintendent called Lila to set up a meeting with her.

In the spring before Katrina, Lila lost her voice. A clinic doctor suggested it was allergy and gave her some medicine. When she did not improve after several weeks, another doctor referred her to a specialist. Unfortunately, the appointment desk at "Big Charity" hospital never answered the phone. Eventually, a friend learning of her plight intervened with a doctor at Charity to get Lila an appointment. Soon after Lila saw the specialist she had surgery to remove the polyps on her vocal chords. Hurricane Katrina hit a week later as Lila was recovering.

Lila's brother took her to a shelter in Beaumont, Texas. Lila's daughter, who had been visiting her imprisoned brother up north when the evacuation order came, picked up her mother in Beaumont and took her to Houston.

By the time they reached Houston Lila wasn't feeling well. The first doctor she saw at the Red Cross clinic assumed the headache was due to the post surgical medicine and stress; he told her to stop taking it. Over the next several days, however, the headache got worse. Her daughter took her to an emergency room and insisted that they not send her away. The next day, doctors discovered Lila had lung cancer that had metastasized to her brain. Being in Houston meant that there was some hope that after the tests were completed she would be referred for treatment to the MD Anderson Cancer Center. But four days later, Lila died in her sleep.

It took a month for her daughters to hold a "send off" for their mamma in New Orleans. Her son was not allowed to attend.

The easiest part of Lil's forty-four years of life was her death.

-- This feed and its contents are the property of The Huffington Post, and use is subject to our terms. It may be used for personal consumption, but may not be distributed on a website. Reported by Huffington Post 19 hours ago.

What One Priest In Germany Is Doing To Address The Refugee Crisis

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If you want to see Father Oliver, you’ll have to get through a long line of refugees first. Most of them can’t speak German. Many of them cradle children in their arms.

They wait patiently in the courtyard of the St. Peter Catholic Church (Petershof) in Duisburg-Marxloh, hoping to receive the medical attention they need.

“There are more every week,” says Father Oliver. His small office is located on the first floor of the pastoral building in Petershof, a stone’s throw from the Marxloher marketplace.

For the past few months, Father Oliver and a team of volunteers have been meeting on a weekly basis to provide medical aid to refugees. Once a week, Petershof turns into a makeshift clinic. “On our first day in November 2014, 12 refugees came for help. These days, as many 90 people may show up,” says Father Oliver.
Many of the refugees who seek Father Oliver’s help hail from Southeast Europe. None of them have health insurance. Most of them can’t afford a “normal” check-up. (Image Credit: HuffPost/Christoph Asche)

The success of Father Oliver’s operation is troubling. In Germany, asylum seekers have a legal right to medical aid. So why do refugees resort to Father Oliver’s medical services?

Perhaps it is because the German healthcare system has its limitations: First, help is only provided to those with acute sickness and pain, or during pregnancy and childbirth. Preventive check-ups are not part of the system — which may be a sensible measure taken in order to prevent overloading the German health care system. However, the refugee council of Lower Saxony recently criticized doctors for not doing everything they can to help.

Secondly, asylum seekers must receive approval from the Social Welfare Office before seeing a doctor or visiting a hospital. Such legal proceedings cost time and money for everyone involved. Approximately 10,000 people living in Duisburg don’t have social security. Many of them come from Southeast Europe.

The problem may also stem from the attitudes of the refugees themselves, and their experiences in their home countries. Father Oliver says, “Many refugees from Southeast Europe never resorted to basic medical services in their home countries. Many of them resist reaching out to the authorities for help; they might also have the same attitude here in Germany.”

Perhaps Father Oliver is thinking of the man from Romania, who arrived with his wife and children. He has severe abdominal pain; his wife is limping. How long has it been since they’ve seen a doctor? “Long time,” says the man. And he’d been in Germany for a few weeks already.

It’s sad to see how the lack of medical services for refugees affects children. A young woman from Syria holds her son in her arms. He is wrapped in thick garments, a wool hat covering his head. The mother points to her child’s throat and frowns. Sore throat? Swollen tonsils? “Pain” is all she can say, pointing once again to her son’s throat.
A young woman waits in Petershof to get her daughter treated. (Image Credit: HuffPost/Christoph Asche)

The city recently placed a facility on the church grounds, so that the patients are not forced to wait in the pastoral center’s narrow hallways. But the Petershof volunteers rely mostly on their own resources.

They bought stethoscopes and heart rate monitors from eBay, and they converted the cellar into a play area for children. “It was hard work, but it was worth it,” says former teacher Renate Fasel, who watches over the children while their parents are receiving treatment.

It took a long time for Father Oliver to enlist the city’s help. A few weeks ago, when he warned that Duisburg was on the verge of another outbreak of measles, mumps and rubella, the city was finally persuaded to take action and set up a vaccination center in Petershof.
Renate Fasel used to be a teacher. Today she supervises the children of refugees who seek treatment from the Petershof volunteer doctors. (Image Credit: HuffPost/Christoph Asche)

Duisburg’s Mayor Sören Link has his concerns, however. “It can’t be our duty to build parallel health care insurance systems,” he said at the launch of Father Oliver’s vaccination center.

Link has a point: such a system would certainly not be efficient. But Father Oliver is also right. He has been hard at work, doing everything he can to break down the barriers that prevent refugees from getting vaccinated, and to help these vulnerable children.

Still, everyone involved must consider longer-term plans. Would more guidance and education help? Either way, it is clear the solution won’t be simple.

In the meantime, Father Oliver is receiving significant recognition for his work. Next Tuesday, Chancellor Angela Merkel will pay him a visit. (She’ll be visiting Marxloh for the day to take part in civil dialogues.)

“Let’s see how it goes,” Father Oliver says. He doesn’t sound too excited. But Father Oliver has other things to worry about. Downstairs, 40 refugees are still waiting on treatment.

This post first appeared on HuffPost Germany and was translated into English.

-- This feed and its contents are the property of The Huffington Post, and use is subject to our terms. It may be used for personal consumption, but may not be distributed on a website. Reported by Huffington Post 17 hours ago.

Washington state health insurance rate hike far lower than some other states

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Though consumers might not like the sound of any health insurance rate increase, Washington state is experiencing a smaller increase than some other states as they figure out the best pricing strategy in the early years of health reform. Washington state's Office of the Insurance Commissioner approved Aug. 20 an average rate increase of 4.2 percent for the 136 plans that will be sold from 12 insurers on the state's health exchange in 2016. That's a jump from previous increases. In 2015, rates went… Reported by bizjournals 15 hours ago.

Mental Health Services are Covered for Oklahomans with Health Insurance

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OKLAHOMA CITY, Aug. 28, 2015 /PRNewswire/ -- After the tragic death of Labor Commissioner Mark Costello, Oklahomans may have questions about mental health insurance coverage. The Oklahoma Insurance Department (OID) stands ready to educate consumers who may not understand their... Reported by PR Newswire 15 hours ago.

I Survived The VA: A Veteran Tells His Shocking Story

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You've heard about the VA scandal, but you've never heard it like this.

Warning: Graphic descriptions and video. Names and locations have been changed.
The skin around the lesion on his chest disintegrates with each peel of the dressing. Pus oozes from the dime-sized hole. Six more to go. They were once just scratches. Five. The numbing medication doesn't help. Four. His left pectoral is the worst; an abrasion turned rancid, draining into a small puddle. Three. A ruddy lump of calcified tissue protrudes. Two. Another bandage changed, another rip in his tender skin. One.

Dr. Carlson said he was healing yesterday, but this can't be right. Finally he succumbs, not to the pain, but logic. Eric's wife drives him to the ER. They've been trying to conceive for over a year, but he knows the medication has destroyed that chance: There will never be a child in their rear-view mirror. Stumbling into the ER, Eric holds his broken ribs in place with his hands.

"You're lucky," says the admitting physician presiding over his frail frame, 30 pounds lighter than a few months earlier. "Six more hours and you'd be dead." His wounds have become septic, his system immunosuppressed far too long. He wonders if the health care his country promised him is going to kill him. This is not the war Eric signed up to fight.

There was red tape from the beginning. Within weeks of arriving in Bosnia in 2001, Eric develops rashes and hives. Doctors attribute the mild episodes to the change in climate and seasonal allergies. They continue for over a year. Soon, Eric develops an umbilical hernia. Despite the pain, his sergeant recommends postponing treatment. Eric agrees. Reporting his injury would mean medical holdover status placement; remaining on active duty until he is treated, stabilized, released to duty, or discharged. This also means that instead of returning to his civilian job, he could be stuck behind a desk, pushing papers for up to a year.

Finally back stateside in 2003, Eric is scheduled for his first surgery. The hernia soon reappears. They try again the next year, this time at another hospital. This surgery, too, is unsuccessful. The implanted Kevlar mesh detaches, leaving him in excruciating pain. Deprived of targeted immunosuppressants, he develops pathergy, in which skin becomes hyper reactive to minor trauma. It remains undiagnosed.

Eric's third surgery in 2005 is his final one; but he doesn't heal well. While he doesn't want to leave the army, surgical complications have left him scarred and weak. He's more liability than asset. Medically discharged, Eric joins the ranks of those now dependent on the Veterans Administration.

In order to get the VA to cover his healthcare, Eric applies for disability. It takes two years, but he's finally granted a modest ten percent rating. It's good news. He'll have coverage for his injuries, with just a small co-pay; if he can get an appointment. To the VA, it doesn't matter when he began presenting symptoms: Since his illness it wasn't diagnosed during service in Bosnia, it isn't 'service connected,' leaving him another name on a burgeoning waitlist.

In 2010, alarmed by his worsening condition, Eric steps up his own research. His symptoms are varied and strange, but after weeks of reviewing the medical literature, he begins to suspect Behcet's Syndrome; a chronic, progressive and disabling auto-inflammatory disease in which swelling damages blood vessels throughout the body, often leading to sores, swelling of the eyes and, eventually, inflammation of the brain, spinal cord, and digestive system.

While rare in the United States, Behcet's is common in Southeast Asia and the Middle East, where US military personnel have been involved in decades of war. Genetics may also contribute: Eric's father and his half-brother, Robert, exhibit similar symptoms. There is no blood test for Behcet's; it can only be diagnosed clinically. In fact, with the average time from onset of symptoms to diagnosis at about ten years, chances are that by the time you're diagnosed, multiple organs will have begun to deteriorate.

Luckily, Eric is not entirely dependent on the VA. He has private health insurance through his work as a defense contractor in DC, enabling him to seek treatment from top neurologists at Georgetown University Hospital. He presents his case, and after a negative workup for other rheumatic diseases, they agree. Shortly after, one of the world's top Behcet's experts at NYU reconfirms what they already know. For Eric, half a world away and nine years after Bosnia, the multi-organ system involvement, family history, and environmental factors converge: He's diagnosed with Behcet's.

Soon after, he receives a letter from his battalion physician in Bosnia. Looking back, he misdiagnosed Eric. What he saw were the initial symptoms of Behcet's. While his treatment is just beginning, the progressive illness means chronic absences from his private sector job. Eric is soon terminated and COBRA coverage runs dry a few months later.

Most private insurance plans don't cover what he needs anyway: an inflammatory response suppressant known as Remicade. Even with the Affordable Care Act, Eric can't find an insurance policy that will pay more than 50% of the bill, rendering the $10,000 dollar a month medication far too expensive. The VA HealthCare System, however, will cover it fully- just nine dollars a dose.

By this point, the Behcet's has progressed from his kidneys to his chest, finally taking hold of his brain, producing severe neurological complications including episodic loss of balance and sight disruption, anxiety, and tremors. The muggy DC summers exacerbate his lesions. Eric and his wife decided that come fall, they will move back west. Eric's family is there and the cost of living, cheaper. They need the extra cash for medical bills.

Georgetown places him on high-dose corticosteroids in an effort to prevent permanent brain damage. It's meant to be a temporary measure, a holdover until he can get to VA facility in his hometown, where he'll no doubt be provided the intravenous Remicade. Upon arrival, Eric is assigned to the VA healthcare System's Dr. David Carlson, an internist and family practitioner. Eric arrives prepared with the diagnosis from NYU, from Georgetown, the letter from his battalion physician, and a novella's worth of medical records. The lesions, the tests, the expert opinions, the pain; Bosnia itself, are all piled in front of Dr. Carlson. The overloaded doctor, however, refuses to read them.

Soldiers are to be "Army Strong." They have to be to survive. Eric, however, breaks down. He cries, imploring Dr. Carlson to review his history. Georgetown had recommended weaning him off the high dose steroids after a month in order to avoid side effects like osteoporosis, ulcers, and increased susceptibility to infection, the latter of which could have permanent consequences for an already compromised inflammatory patient.

Dr. Carlson tells Eric to "save it for Salt Lake," referring to the city's VA Medical Center, where Eric will be sent to undergo invasive procedures to re-diagnose what has already been confirmed. Eric is frustrated, haggard, and God, the pain. If he wants treatment, however, he'll have to play by VA rules. Only the VA doesn't send him to Salt Lake.

Since his Behcet's isn't "service connected," he has to pay his own way. He's scheduled for five appointments, each in a different week. Explaining that he can't afford ten plane fights, five hotel stays, five rental cars, and roughly twenty meals, the VA acquiesces, arranging a week's worth of invasive and repetitive tests he doesn't need. The tests are scheduled for May, five months later.

While he waits, Eric can cease the steroids and slowly let the inflammation smother his organs, one by one, in hopes that he'll get the Remicade in time to revive them, or he can continue the steroids and risk not only the side effects but a highly weakened immune system in which case the tiniest infection could turn lethal. It's a simple question with an unknown answer: Which one will kill him first? He chooses to remains on the high-dose corticosteroids, turning the transitory medication into a six-month affair.

Back from Salt Lake, Eric calls Dr. Carlson's office, satisfied that he will finally be weaned from the steroids- and that the doctor will no longer be able to refute the reconfirmed diagnosis. He can't get an appointment in the next week or so, but he's on the waitlist- they'll call at the first opening. It can't be too long; Dr. Carlson requested to see him as soon as he returned.A week passes, then June turns into July. He calls. August. No movement. September. October.Carlson, it turns out, is on paternity leave. Rather than schedule Eric with another doctor, he sits on what would later be termed a fraudulent waitlist. He remains there, without access to the medications requested by the VA's own doctors to negate the steroids' negative effects. The visits to the ER grow more frequent as the months of high-dose steroids manifest: He's left with low bone density; border lining on osteoporosis.

November. December. January.
X-ray studies show early onset osteoarthritis of the hips and shoulders. He didn't need to see the x-ray; his joints now ache with the pain and stiffness so commonly associated with arthritis, despite being only 35 years old. His bones have become so brittle that a three-foot stumble dislodges several ribs. Formerly a distance runner, Eric can't walk half a mile without stopping for rest.

February. March. April.
On May 27th, 2014 following a substantial increase in the Remicade dosage, and his lesions now dripping bloody brown liquid, Eric manages to make an emergency appointment with Dr. Carlson. The nurse agrees his wounds have deteriorated; he's prescribed painkillers until his scheduled appointment in two days.

Two days later, a haggard, overwrought Eric walked into Dr. Carlson's office. Carlson tells Eric he must be picking at the lesions on chest. Carlson implies that Eric is mentally ill, a doctor-shopping hypochondriac.

Shaken by Dr. Carlson's advice, Eric documents his experience that afternoon, videoing himself caring for his "healing" wounds. It seems to be the only way to prove he's not suffering from a fictitious illness. He slowly removes the bandages to disturb as little skin as possible but small sections crumble and wounds ooze pus. He's not following Dr. Carlson's directions: He needs a topical numbing agent to get through the pain and an antiseptic only makes logical sense. That night, Eric calls two of his old friends, doctors. They haven't seen the wounds yet, but the description is enough to tell Eric to go to the ER immediately.

ER physicians indicate that they do not think he is the source of the symptoms but that they appear "typical of a highly immunosuppressed state." A CT scan confirms the tunneling latent infection throughout his chest wall. He's placed on antibiotics."Six more hours and you'd be dead."

The staff is under a communication ban so that Eric can be evaluated without the prejudice of his previous doctors. After a few days, Eric is ready to be discharged, but he knows he won't find private insurance to cover the Remicade. Eric has again found himself in the unimaginable position of only having the VA, the organization whose negligence has nearly killed him, to turn to for help.

In preparation for departure, he contacts the VA to be switched to another clinic nearby, in hopes of finding an objective practitioner. But there's a note in his file. Despite VA policy that patients have freedom of choice in primary care clinics, he's only to see Dr. Carrillo, the director of both clinics, and Dr. Carlson's boss. Even though he's exhausted, Eric holds his ground until a patient service representative finally gives in to VA policy.

Eric is hopeful when he first meets the new doctor, but Dr. Truscott is clearly skeptical. No doubt he's heard about Eric. After reviewing his medical history, Dr. Truscott is no longer suspicious; he's dumbfounded. It's clear what has happened to Eric, the records show it. Sure enough, another MRI shows the development of avascular necrosis, the death of bone tissue associated with long-term use of steroids.

Maybe now, maybe this time, maybe outside the VA system, this veteran will get the help his country promised. Eric is lucky, in a way. He'll never fully recover, but he didn't die on the waitlist like thousands of others. But that's just the reason he's telling his story.

Leave no man behind.
A formal complaint to the Office of the Inspector General, whose mission is "to prevent and to detect criminal activity, waste, abuse, and fraud," elicits the following response:
"Because we receive more complaints than the OIG has resources to review in depth, we limit investigative efforts to issues that have the most serious potential risk to Veterans and VA operations or for which the OIG is the only forum for relief." In other words, you're shit out of luck.

After repeated attempts to have claim addressed, he authors a letter to the Medical Chief of Staff of his VA facility, Dr. McDevitt. He's told to contact the center's risk manager, who tells him he has one option: file a civil lawsuit and to have his counsel contact the VA regional counsel office. But that's not actually his only option. The Code of Federal Regulations designates that the VA has a legal obligation to disclose to the Veteran any harm done by the VA in the course of his or her treatment.He informs them of this.

They'll get back to him.

Dr. McDevitt calls along with the risk manager. They'll write a "disclosure of adverse event" letter. They summarize its contents over the phone, but he'll have to submit a formal records request to obtain a copy. Eric goes back to his initial clinic a few weeks later to obtain a full copy of his records. He talks to the patient privacy advocate, who drops an interesting fact: Early the previous summer, right after Eric's hospitalization, nearly the entire staff in the nursing and scheduling departments had been transferred or promoted to other positions at various locations within the VA system.

Eric asks the nurse to provide a list of who had access or made changes to his medical file. She's confused. Despite VA policy, which denotes that patients that may present a risk of malpractice liability must be marked as private, Eric's records weren't tagged, meaning there's no way to see what changes were made- or what's been redacted.

While the American government is strong, so are the people who have the right and the ability to stand up when strength becomes tyranny. The VA has, in effect, told Eric the same thing it's told thousands of other veterans. File a civil lawsuit, and good luck trying to prove it; a method that's sure to be more difficult in Eric's case, given the VA's ability to rewrite history. There's a reason, however, why nearly 70% of all claims against them are eventually granted at some level on appeal. It's easier to throw money out the back door than face the media on the front lawn. But Eric won't be settling. The VA needs change more than he needs the money.

The VA should be the fulfillment of a promise: health care in the service of those way we claim to honor most, those who have worn the uniform and offered the last, full measure of their worth for their nation. It has become, in reality, a vending machine, dispensing care through a maze of impersonal, bureaucratic machinery that is inured to patient needs and soldiers' pain. It is top-down health care, trying to deliver compassion through an ever-more complicated Rube Goldberg machine that tries to cure too much bureaucracy with more bureaucracy, paperwork, and regulation. What we have today is a VA that is only able to fit patients to whatever health care they are able to give, instead of fitting care to the patient. The tragedy is not that this is the worst the VA can do for our soldiers. It's that this is the best they can do.

-- This feed and its contents are the property of The Huffington Post, and use is subject to our terms. It may be used for personal consumption, but may not be distributed on a website. Reported by Huffington Post 12 hours ago.

​State, feds to pay $3.3M and $2.8M to extend life of Hawaii Health Connector

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The state of Hawaii is likely to extend the operations of the Hawaii Health Connector through October 2016 for $3.3 million, the health insurance exchange’s officials announced Friday at its board of directors meeting. Hawaii’s state-based insurance marketplace also received confirmation Thursday that the federal government would chip in a $2.8 million grant to support “marketplace assister organizations"— the Connector’s nonprofit partners that assist the community in signing up for… Reported by bizjournals 10 hours ago.

High Drug Prices Are Killing Americans

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All across the country, Americans are finding that the prices of the prescription drugs they need are soaring. Tragically, doctors tell us that many of their patients can no longer afford their medicine. As a result, some get sicker. Others die.

A new Kaiser Health poll shows that most Americans think prescription drug costs in this country are unreasonable, and that drug companies put profits before people. Want to know something? They're right.

Americans pay the highest prices for prescription drugs in the world - by far. Drug costs increased 12.6 percent last year, more than double the rise in overall medical costs. (Inflation in this country was 0.8 percent that year.)

Even before that, we spent nearly 40 percent more per person on prescriptions in 2013 than they did in Canada, the next most expensive industrialized country. Prescription drugs cost nearly five times more per person in this country than they did in Denmark that year.

This is not a partisan issue. Most Americans -Republicans, Democrats, and independents - want Congress to do something about drug prices. 86 percent of those polled, including 82 percent of Republicans, think drug companies should be required to release information to the public on how they set their prices. Large majorities support other solutions to the drug cost problem as well.

The Kaiser poll also showed that Republican voters care more about drug prices than they do about repealing Obamacare. They should. Republicans in Congress have tried to repeal that law so many times that it's an embarrassment. It's also a distraction from the very real health care problems our country faces. Millions of Americans still can't see a doctor when they need one. Another poll showed that nearly one in five Americans didn't fill a prescription because of cost.

That should not be happening in the United States of America - but it is. And it's not likely to end anytime soon, unless we do something. Medicare is predicting that drug costs will continue to rise by nearly 10 percent per year for the next 10 years. Tens of thousands of Americans now spend more than $100,000 a year on prescription medication. One drug costs $1000 per pill.

None of this has happened by accident. Our drug costs are out of control because that's the way the pharmaceutical companies want it. Other countries have national health insurance like the Medicare For All plan I have proposed, and these national plans are able to negotiate better prices. In this country, however, drug lobbyists have been able to block Medicare from negotiating better prices on behalf of the American people.

The pharmaceutical industry is also riddled with fraud. As a result, the American people are ripped off to the tune of billions of dollars per year. Virtually every major pharmaceutical company in this country has either been convicted of fraud or has reached a fraud settlement. Offenses include price manipulation, kickbacks, and substandard manufacturing practices.

Between our government's unwillingness to negotiate prices and its failure to effectively fight fraud, it's no wonder drug prices are out of control. We need to do more.

Here are some of the common-sense measures I will fight to see enacted into law:

Congress should instruct the Secretary of Health and Human Services to negotiate drug prices with the pharmaceutical companies on behalf of Medicare. We should use our buying power to get better deals for the American people. Other countries do it; why aren't we?

We should penalize drug companies that commit fraud. They seem to feel the same way big banks do: that paying fines and settlements is simply part of the cost of doing business. That needs to change. We should pass legislation which says that drug companies lose their government-backed monopoly on a drug if they are found guilty of fraud in the manufacture or sale of that drug.

We should end "pay for delay." That's the collusion which takes place between drug companies when the holder of a brand-name patent pays another drug company to hold off on manufacturing a generic substitute. Brand-name drugs cost ten times as much as generics, on average, and can cost as much as 33 times as much.

We should also demand transparency from drug companies, who have been concealing the true cost of their research and development while at the same time taking tax breaks for it and using biased figures as an excuse for price gouging.

We should also make it easier to import lower-cost drugs from other countries. Years ago, I was the first member of Congress to take Americans across the border to Canada to purchase drugs at a fraction of the cost they were paying in the United States. They were able to buy breast cancer medication at far, far lower prices than what they were paying in our country. Americans should be able to do this online or by mail, provided they have the proper prescription from a physician.

Americans should not have to live in fear that they will go bankrupt if they get sick. People should not have to go without the medication they need just because their elected officials aren't willing to challenge the drug lobby. The public is fed up, and they have a right to be fed up. It is time we joined the rest of the industrialized world not only by enacting a national health care program, buy by implementing prescription-drug policies that works for everybody, not just the CEOs of the pharmaceutical industry.

-- This feed and its contents are the property of The Huffington Post, and use is subject to our terms. It may be used for personal consumption, but may not be distributed on a website. Reported by Huffington Post 18 hours ago.

U.S. Olympians' Insurance Finally Qualifies

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America’s Olympians now have officially qualifying health insurance, after the federal government and the U.S. Olympic Committee reached an agreement this week over the status of their coverage. Reported by Wall Street Journal 8 hours ago.

High Drug Prices Are Killing Americans

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All across the country, Americans are finding that the prices of the prescription drugs they need are soaring. Tragically, doctors tell us that many of their patients can no longer afford their medicine. As a result, some get sicker. Others die.

A new Kaiser Health poll shows that most Americans think prescription drug costs in this country are unreasonable, and that drug companies put profits before people. Want to know something? They're right.

Americans pay the highest prices for prescription drugs in the world -- by far. Drug costs increased 12.6 percent last year, more than double the rise in overall medical costs. (Inflation in this country was 0.8 percent that year.)

Even before that, we spent nearly 40 percent more per person on prescriptions in 2013 than they did in Canada, the next most expensive industrialized country. Prescription drugs cost nearly five times more per person in this country than they did in Denmark that year.

This is not a partisan issue. Most Americans -- Republicans, Democrats, and independents -- want Congress to do something about drug prices. 86 percent of those polled, including 82 percent of Republicans, think drug companies should be required to release information to the public on how they set their prices. Large majorities support other solutions to the drug cost problem as well.

The Kaiser poll also showed that Republican voters care more about drug prices than they do about repealing Obamacare. They should. Republicans in Congress have tried to repeal that law so many times that it's an embarrassment. It's also a distraction from the very real health care problems our country faces. Millions of Americans still can't see a doctor when they need one. Another poll showed that nearly one in five Americans didn't fill a prescription because of cost.

That should not be happening in the United States of America -- but it is. And it's not likely to end anytime soon, unless we do something. Medicare is predicting that drug costs will continue to rise by nearly 10 percent per year for the next 10 years. Tens of thousands of Americans now spend more than $100,000 a year on prescription medication. One drug costs $1,000 per pill.

None of this has happened by accident. Our drug costs are out of control because that's the way the pharmaceutical companies want it. Other countries have national health insurance like the Medicare For All plan I have proposed, and these national plans are able to negotiate better prices. In this country, however, drug lobbyists have been able to block Medicare from negotiating better prices on behalf of the American people.

The pharmaceutical industry is also riddled with fraud. As a result, the American people are ripped off to the tune of billions of dollars per year. Virtually every major pharmaceutical company in this country has either been convicted of fraud or has reached a fraud settlement. Offenses include price manipulation, kickbacks, and substandard manufacturing practices.

Between our government's unwillingness to negotiate prices and its failure to effectively fight fraud, it's no wonder drug prices are out of control. We need to do more.

Here are some of the common-sense measures I will fight to see enacted into law:

Congress should instruct the Secretary of Health and Human Services to negotiate drug prices with the pharmaceutical companies on behalf of Medicare. We should use our buying power to get better deals for the American people. Other countries do it; why aren't we?

We should penalize drug companies that commit fraud. They seem to feel the same way big banks do: that paying fines and settlements is simply part of the cost of doing business. That needs to change. We should pass legislation which says that drug companies lose their government-backed monopoly on a drug if they are found guilty of fraud in the manufacture or sale of that drug.

We should end "pay for delay." That's the collusion which takes place between drug companies when the holder of a brand-name patent pays another drug company to hold off on manufacturing a generic substitute. Brand-name drugs cost ten times as much as generics, on average, and can cost as much as 33 times as much.

We should also demand transparency from drug companies, who have been concealing the true cost of their research and development while at the same time taking tax breaks for it and using biased figures as an excuse for price gouging.

We should also make it easier to import lower-cost drugs from other countries. Years ago, I was the first member of Congress to take Americans across the border to Canada to purchase drugs at a fraction of the cost they were paying in the United States. They were able to buy breast cancer medication at far, far lower prices than what they were paying in our country. Americans should be able to do this online or by mail, provided they have the proper prescription from a physician.

Americans should not have to live in fear that they will go bankrupt if they get sick. People should not have to go without the medication they need just because their elected officials aren't willing to challenge the drug lobby. The public is fed up, and they have a right to be fed up. It is time we joined the rest of the industrialized world -- not only by enacting a national health care program, but by implementing prescription-drug policies that work for everybody, not just the CEOs of the pharmaceutical industry.

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