Visit Victoria Station while in Mumbai for implants
If our politicians ever make the effort to visit the “little people” – those neglected voters, who don’t live in gated communities and suck gin in the Capitol – our selected leaders will see smiles without front teeth. And that is just the beginning of their constituents’ dental problems.
Some 140 million Americans have no dental insurance, and for most who do pay premiums, the coverage won’t cover the cost of replacing those two front teeth with implants
Medicaid and Medicare will pay nothing.
If you search the web for how to afford dental implants, the usual answer is borrow the money. A few suggested contributing more to your Health Savings account (as if everyone has an account). One advised asking for charity on the Internet. I am surprised no one said: write a check or pay with cash. Continue reading →
Healthcare.gov has my email address, because I once searched for plan information on the site, and now the artificial intelligence – or just perhaps an algorithm – has decided to pester me to sign up or pay a penalty. Having fooled the system (because I can’t get Obamacare since I passed my 65th birthday), I checked some prices to see the cost of plans for my neighbors, assuming a family of two parents and two teenage children.
Rafael Edward “Ted” Cruz
It’s not a pretty picture. Without premium subsidies, all of the so-called Obamacare Bronze plans cost about $900 a month, or $10,800 a year. All of them have a deductible of about $12,000, which adds up to a total cost of $22,800 – before you receive one penny of health insurance. It’s all on you – just put pennies in the jar each January and set aside 2,280,000 as your personal Copper plan. Actually, someone should call the coppers for allowing such a ripoff junk health plan.
The missing ingredient in this analysis is that the government (middle class taxpayers) provides a subsidy to our average $50k-a-year household of four, amounting to $800 or so per month. That money goes directly to the insurance company. You pay the difference in premiums and you also pay all that $12,000 deductible. It seems insanely expensive – between contributions from taxpayers and subscribers – and some might say a windfall for insurance companies, a deal that was negotiated by Chicago’s current mayor under assault, who is also a former investment banker.
The Democrats may have bowed to the healthcare industry, prostrated their principles, humiliated party members, destroyed the President’s legacy and may even made Valerie Jarrett unhappy, but things might get even far worse.
Enter the GOP and its brainiacs at the Heritage Foundation. They have a plan that makes Obamacare look like heaven with 72 virgins (persons, of course) and unlimited six packs of Continue reading →
Some pundits have recently commented on other blogs that the birth rate seems to be declining among middle class citizens.
In my opinion much of this terrible trend is caused by economics – newly minted healthcare insurance plans that no longer just require co-pays, but have a huge first contribution.
When a family has to pay the first $6,000 in healthcare costs in a year – having a baby is suddenly a very expensive proposition, especially if you are below the median $32,000 annual earnings level.
It doesn’t impact Medicaid pregnancies for the poor (virtually no cost), nor do the rich consider $6,000 much more than chump change.
A single plan doesn’t cover any costs of pregnancy. And if you get a family plan when already pregnant, it doesn’t cover childbirth or its complications, if any.
So, it is not just inequality of income that is threatening to destroy the middle class, it is the extreme costs of having a baby, even with insurance.
Another result of this high healthcare pregnancy cost is its affect on marriage rates. A single woman with no income qualifies for Medicaid, which pays for her childbirth at no real cost to her. If married most women would find that their husband’s income raises their family to a level that does not qualify for Medicaid. Not surprisingly, folks figure out what is best for their finances and don’t get married, as shown by declining marriage rates.
The five members of the New Democrat Coalition on the Senate Finance Committee all voted against the healthcare public option today, because they belong to a “Third Way” movement that is supported by corporations, just as their campaigns are beholden to contributions from big companies. This is the same movement that opposes cramdowns on mortgages, limiting credit card interest, card check and a host of other traditional value Democrat Party efforts. They are really the moderate Republicans now missing from that less than GOP.
The traitors to the American people were: Max Baucus (D-Mont.), Blanche Lincoln (D-Ark.), Kent Conrad (D-N.D.), Bill Nelson (D-Fla.) and Tom Carper (D-Del.).
Conrad was especially annoying today as he attempted to push his moronic co-op plan when the committee was debating the public option. He cited France as a place that has a good healthcare program, but ignored that 94% of the people receive coverage from a government regulated plan at no charge. What a nitwit, or what a liar, but what’s the difference to the outcome.