What is a Pre-existing Condition?

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There has been a lot of talk about pre-existing conditions, what they are and if people who have them can be denied health insurance, or be made to pay more for health insurance.  A pre-existing condition is anything medical that happened before a person’s health care policy went into effect.   In the bad old days, before the ACA, health insurance companies could refuse to sell policies to people who were sick, or who had been sick.  There were companies who did sell policies to these people, however the cost was much too high for the average person to pay.  With the ACA, these people were able to buy policies for about the same price that the average “healthy” person could.  With the advent of TrumpCare, these pre-existing conditions don’t need to be covered by insurance companies.  Here is a list of some of these conditions that no longer will be covered.

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As you can see, a lot of people have these conditions.  For example, I was born of with a heart murmur and I have had asthma in the past.  Heart murmurs, as I understand it, can be a crap-shoot.  It’s a 50/50 chance of needing a medical intervention.  I never even knew I had one until I was pregnant, then I was told that I’d had it all my life – go figure.

https://www.youtube.com/watch?v=aMNOvVX8e4I

What do you think about these pre-existing conditions?  Are you in danger of losing your health care?  If you do lose it what will you do about it?  Let me know in the comments below.

Individualism

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In school, we learned all about “individualism” which according to Webster, is a doctrine where the interests of the individual are paramount, and the individual is totally self-reliant.  I was taught this theory by way of understanding that those who went west (“Go West, Young Man!) were the living symbol of this theory, since they were supposedly self-reliant, made it on their own, and were self-made men.  Except this never made any sense to me, because as a child I read the Little House books by Laura Ingalls Wilder, and was aware that no one who went west “made it” on their own.  Houses were collectively raised, crops were collectively brought in and help was there even if it was ten miles away.  Yes, the Laura Ingalls Wilder books were a fiction, however, the fiction was based on facts.  And, the facts proved this theory as a fiction.  Read Laura’s autobiography Pioneer Girl which tells a much different story regarding the help that these pioneers gave each other.

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So why is this myth so popular and enduring?  My cynical thoughts on this are that it’s convenient to use as a way to insist that Americans historically “pulled themselves up by their bootstraps” by themselves.  However, even our first colonies were created by group effort – otherwise they all would have starved.  Individualism is a lie of massive proportions as shown by our elected officials insistence that: education, health care and a living wage are not rights of citizens.  They often insist that our ancestors were all self-made men, and in order for anyone to succeed, all we have to do, regardless of background, education or opportunities, is to work hard. That way, when people don’t make it, we can blame them.

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Therefore, even though plenty of people work two jobs, it’s still their fault when they need government assistance.  That way, we don’t have to have a conversation regarding the fact that low minimum wages are that no one can live on them, poor education, and lack of opportunities.  This blame-game is used for a variety of problems.  Welfare, food stamp and fuel assistance recipients can all be blamed, and that way we can avoid any conversations regarding why working people need so much help.  Meanwhile, CEO pay has increased a staggering 340 times that of the average worker and the poor often pay federal taxes at a higher percent than the rich.  Do you believe in individualism?  Let me know in the comments below.

 

https://www.theguardian.com/us-news/2016/may/17/ceo-pay-ratio-average-worker-afl-cio

http://www.economicpopulist.org/content/poor-pay-more-taxes-5660

 

A Story – The Life of an 87-Year-old Woman

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My name is Agnes, and I was born 87 years ago, in an area known as Jamaica Plains, N.Y.  I was raised in a shack with an outhouse in the backyard.  My “home” was the only shack in the neighborhood and we were the poorest family around.  My mother ran off when I was five, and my older brothers raised me because my father was a drunk.  At fourteen I got a job working full-time at the local Five and Dime, so I quit school to make money.  At 17 I got pregnant and married Charles.  I had always wanted to work as a secretary and live in NYC, but that was one dream that didn’t come true. Once I had the baby I became a stay-at-home mother, and soon we had four children.

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Charles worked hard, but he was only a “helper” for a carpet-installer and the money wasn’t there.  So, he went out and started his own business.  We ended up living all over the Midwest, and life was pretty good.  Once the children were in school, I took a typing course so that I could become a Secretary, just like I’d planned.  However, somewhere in there Charles’ started gambling his pay away, and then he took up drinking, too.  I never knew if and when he would come home, or what kind of a mood he’d be in when he did come home.  Thankfully, no matter where we lived, I managed to get a Secretarial job.

Our children moved out and began their own lives, so we moved to New England to be closer to Charles’ family.  This was a mistake, since they were all big drinkers, too.  I kept working, but my pay as a secretary never really went up, and Charles’ pay never went up, either.  Eventually we retired and collected Social Security, but that was all we got since none of the jobs either one of us had ever provided a pension plan.

Charles died from his many illnesses, and I had to move out of our two-bedroom apartment into a smaller one-bedroom.  I had to part with most of my furniture that I’d been able to keep over the years because it didn’t fit into a smaller apartment.  They also only gave me one week to leave my apartment due to “regulations”, so I had to plan a funeral and pack to move at the same time. This is because I am on housing assistance (funded by the federal government) because my Social Security payments fall below the federal poverty level.

It makes me sad when I see people in our government who want to take these programs away from people like me.  I not only get help with my rent, but I’m on heat assistance, I use food stamps and I get Meals on Wheels.  If I can’t have any Meals on Wheels, I don’t know what I’ll have to eat because I only get $75.00 a month on Food Stamps.  After I pay my rent which is a set price, my heating bill – which is also set at $75.00 per month, so I can’t pay less because if I do, they’ll take away my assistance, I don’t know how I will eat on what I have left-over plus the &75.00 food stamps.  Usually at the end of the month all I have left over is enough to pay for my telephone and my very limited cable service.

My family doesn’t usually help me out since they all have children and payments of their own.  I’m very worried about this new budget that’s been proposed.  Charles and I worked all our lives, but now I’m being made to feel like I am a drain on society.  I would like to try to enjoy my remaining years, but mostly I sit at home by myself with my heat turned down as low as I can tolerate it and watch Turner Movie Classics.

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*Just a note, I paraphrased some of this story, and changed the names of the people, but it’s pretty accurate.  Most of the seniors that I work with have small lives that consist of going grocery shopping and watching movies on t.v.  They don’t have money left-over at the end of the month.  Also, they get government assistance for the following: heat, housing, food stamps, and the notorious “help I’ve fallen and can’t get up” button.  For the seniors who qualify, they also get either a homemaker or companion for a few hours a week so that they can stay in their apartments, as that is a cheaper solution than sending them all to nursing homes.  Most of them see their families very infrequently, in fact, their closest relationship is usually with their homemaker.  It’s very sad to see people who have worked hard all their lives reduced to such circumstances.  These are the people who will be hurt by these deep cuts to social welfare programs.

 

Health Care?

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Okay, so I’ve simply got to say something about the plan for healthcare under the TrumpCare proposal.  I realize that “they” don’t want us calling it TrumpCare, however, if “they” were allowed to call the Affordable Care Act ObamaCare, then I really don’t see why this proposal can’t be called TrumpCare.

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Actually, the plan is to throw as many people off health insurance as possible.  Does that sound extreme?  Then tell me why, as a fifty-something year-old, under this plan, my insurance would go up 5 times what I’m paying now.  Yes, not 5%, but 5 times the cost.  Are they insane?  My health insurance per month would cost roughly what our monthly income is.  That would leave us with no money for food or shelter.  Oh, and by the way, Jason Chaffetz, I don’t have an expensive phone, instead I probably use one of the oldest flip phones still in use, and have no internet connection on it.  My husband though, has an expensive one that is for work, and therefore is paid for by his place of employment.

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https://www.washingtonpost.com/news/wonk/wp/2017/03/07/if-jason-chaffetz-wants-to-compare-healthcare-to-iphones-lets-do-it-the-right-way/?utm_term=.1801ab53d187

I’m leaving some links below for those of you who want to educate yourselves further.  Please read them, as the proof is in the pudding, as they say.

https://www.washingtonpost.com/blogs/plum-line/wp/2017/03/07/the-new-republican-health-care-plan-is-awe-inspiringly-awful/?utm_term=.b904f58689ee

https://www.nytimes.com/2017/03/07/opinion/how-republicans-plan-to-ration-health-care.html?_r=0

https://www.nytimes.com/2017/03/07/health/risk-of-losing-health-insurance-in-republican-plan.html

 

Signs

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This is one of those signs that everyone should think about and reflect on.  States are drug testing welfare recipients.  While this testing costs a lot of money, few people have been found to have taken drugs.  That money could have been used for other social welfare projects.  Also, there are a few bills in both state and federal legislatures to stop the free lunch and breakfast programs.  Wrap your head around that…a lot of people want children to go hungry.

Standing Rock is just one example of an oil companies’ profits outweighing the right to clean water and air.  Money over people.  The head of the EPA wants to dismantle it.  Does anyone remember why there was a movie about Erin Brockovich?

Refugees are now leaving the U.S. and walking into Canada.  I never thought that people would need to leave the U.S. in order to be safe.  My question, and it should be your question also, who is next?  The LBGTQ+ community?  The reporters who report the truth?  The Jewish community?  Minorities, any minority take your pick.  People who blog about these issues?  The potential list could go on and on.

Lastly, but not least, health care supposedly is not a right.  The U.S. in one of a few countries (and none of them are considered “first world” countries), that do not have universal health care.  We also spend more, by far, on the health care that we do have.  So, what your rights include is,  the right to die from not enough money to pay for health care.  Yes, that’s right.  Death is your right.  That’s what freedom is – apparently.

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What is a “Regulation” and How Does it Affect People?

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There has been a lot of talk about getting rid of many regulations that corporations are required to follow in order to keep manufacturing in the U.S.  I recently listened to a story on NPR in which a linguist was speaking about the use of the word regulations, and why so many people seem to think that they are bad.

As I didn’t hear the entire conversation, I’ve come up with my own theory of why people seem to think a regulation is a “bad” thing.  The word itself sounds a lot like rule, and people don’t really like to follow rules in general.  That’s my take on the word.  However, a regulation when it comes to corporate practices is more like a protection.  And a protection is usually a good thing.  It is used to protect citizens from a variety of troublesome corporate actions.  The very reason that we have many of the protections that we do is due to the lack of corporate accountability in the past and the cancers, harm and deaths caused by those corporations.  Look into the past actions that unregulated and poorly regulated corporations have done that have destroyed citizen lives.  This is the link to the Superfund that keeps track and reports on both past actions and current actions of corporations.  https://www.epa.gov/superfund

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Understanding that most regulations are imposed in order to keep citizens safe and healthy, it is beyond my understanding why a great many people seem to think a regulation is a bad thing.  They are law in order to protect citizens from a corporation whose only reason for being is to make as much money regardless of the environmental, economic and human cost.  A regulation is a protection from unmitigated greed.  Isn’t that a good thing?