Archive for category Politics

A License to Steal


LICENSE TO STEAL007 has a license to kill.  Insurance companies have a license to steal.  Here’s a typical example.

My mother suffers from back pain mostly due to her advanced age.  Her doctor prescribed lidocaine patches for the pain.  The patches are expensive, almost five hundred dollars per box.  My mother’s Blue Cross Blue Shield supplemental insurance declined to cover the patches.  Why?  According to BCBS, the FDA says the proper diagnosis for prescribing this patch is diabetes.  What?  Did BCBS make that up?  Sounds like it.

What’s the real reason for squirming out the responsibility to cover the patch?  Answer: it’s too damn expensive.  So let’s find a reason not to cover it.

According to AARP, 200 million insurance claims are rejected every year.  Insurance companies try to spread their risk and keep as much money in their organization for as long as possible as they “adjudicate a claim.”  They use auditing software to sift through millions of submitted claims.  These programs are often referred to as “denial engines” because their intent is to lower the amount of claims paid out.

Can we chalk this thievery up to rising medical costs?  No.  Insurance companies pay only a fraction of what doctors and hospitals charge.  I can hear the insurance company executives laughing in their Dayton, Ohio offices (which are located a long way from my little Starbucks table in Aventura, Florida.)

We need insurance reform badly.  I’m not talking about Obamacare. To facilitate their criminal activities, insurance companies hire supermen lobbyists with some of the money they should be paying out in claims.  They buy yachts, homes, Bentleys, commercial real estate, investment securities and commodities with the rest of their profits. They win. We lose.

It’s time for the public to start suing insurance companies en masse. My daughter is preparing to become a prosecutor. When she reaches the Federal level, watch out Aetna, Blue Cross, and all you other bums!

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Don’t Panic*


At 4:30 am last night, I began praying for the light of reason to switch on inside the heads of our congressional leaders. To be fair, my prayers applied specifically to a small, right wing segment of the Republican Party. I’m sure these individuals are acting out of what they consider their “social conscience.” I choose to call it something else: selfishness and irresponsibility.

EMERGENCY STOPJust in case you’ve been glued to re-runs of “Grey’s Anatomy” for the past month instead of the national news, the issue that has caused our congressional leaders to tear each other into little pieces and culminate in an unthinkable government shutdown is the Affordable Care Act, more commonly known as “Obamacare.”

I do not “have it in” for Republicans because I happen to be one myself. In addition, I am not an advocate of “Obamacare.” In my situation, the only “benefits” I stand to reap from the law are higher insurance premiums and a longer wait to see my doctor. But there are a couple of things I realize and accept that the “Tea Party” Republicans choose to conveniently ignore. Obamacare is now the law of the land. It was passed by both houses of Congress and ratified by the Supreme Court. I’m not sure if the majority of citizens in this country favor the law, but certainly our elected leaders favor it. The last time I checked, the majority rules in a Democracy, and we are bound to follow the laws of the land.

In time, I hope amendments to the law will be passed that will allow everyone in this country to live with the Affordable Care Act in peace. Perhaps a future administration will dismantle the law if we find it does more harm than good. Whatever the case, we have no reason to panic. Life will go on. Affordable Care will live or die on its own merit or lack thereof.

Instead, we have a few people holding the government hostage and causing untold suffering to hundreds of thousands of people in addition to disrupting financial markets and an economy finally showing signs of life.

In 1995, a political party impasse caused a government shutdown. It cost taxpayers 1.4 billion dollars to stop and restart the engine. Here are a few examples of people affected by the shutdown, paraphrased from an article by Fred Grimm in the October 1, 2013 edition of the Miami Herald.

Somewhere between 800,000 and a million government employees cannot go to work. Nine million mothers-in-need will be denied supplemental food and nutritional education for their infants and children. The shutdown disrupts research by the National Institutes of Health and by the Centers for Disease Control and Prevention. The Environmental Protection Agency will go dark. 1.1 million Head Start kids are affected adversely—and on and on.

The Tea Party faction of the Republican Party will no doubt view the plight of people directly affected by the government shutdown as collateral damage in their holy war against the “Affordable Care Act.” For these compassionate souls, I pray the law of Karma will kick in to apply swift and sure payback.

* Although “Don’t Panic” is a public domain phrase, I’d like to give the brilliant writer Douglas Adams credit for his use of the phrase as advice for space travelers in his novel “The Hitchhiker’s Guide to the Galaxy.”

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