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.

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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Imagine

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Imagine if we really loved each other.

Imagine if we believed in each other.

Imagine if we cared for each other.

Imagine if we understood that we are all the same.

What a wonderful world that would be.

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Choosing a Perspective

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I’m sick to death of this election.  I’m disgusted with the hate that we’re all being subjected to.  There have been a few statements that stand out – building a wall; grabbing a pus*y; sending American citizens “back” to where?; calling people “thugs”.  I could go on and on.  However, I have included many links where you can see these statements and more if that’s what you desire.

As far as I am concerned, this election is a choice.  It’s actually choosing what kind of a world you want to live in.  Do you want to live in a country filled with hate and suspicion, then vote for that.  I don’t know if that would be a happy or healthy place to live, but in a democracy, that’s what you get to do.  One side is divisive, dividing us up into different sections – the poor over here, the disabled in another section, minorities over here so that we can keep an eye on them because god only knows what “those” people might get up to.

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The thing is, a house divided will fall, and not only will it fall, it will take everyone with it.  Is this what you want?  Smaller government and less taxes also means no money to help out with natural disasters that cost billions of dollars; it means no more health care so that children will die of curable diseases; it means no more Social Security so either work until you die, or starve; no money for infrastructure, so don’t use that bridge, it’s not safe; the list goes on and on.  Do we have problems with money?  Sure, the Pentagon lost how many billions of dollars? Yes, we need accountability.  However, we live in a society.  That means we take care of each other.

Yes, we take care of each other.  All boats should float. We shouldn’t leave others to drown.  What helps one helps out all.  All you Christians out there, don’t you know the “golden rule”?  Do unto others as you would have them do unto you.  There’s a reason for that rule.  So what if someone is “too” disabled, you could be in that situation yourself. Do you want to be treated badly yourself?  We’re all just one small step away from being homeless, injured or worse.  You should remember that fact.  Not a single one of us lives in a bubble.  Life happens.  Disasters strike.  Life is precarious.

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So, when you go to the polls on November 8th, think about what kind of a world you want to live in.  We are all one!

http://www.theatlantic.com/politics/archive/2016/10/donald-trump-scandals/474726/

http://www.newsday.com/news/nation/donald-trump-speech-debates-and-campaign-quotes-1.11206532

http://www.huffingtonpost.com/entry/donald-trump-racist-examples_us_56d47177e4b03260bf777e83