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Has Your Health Insurance Become Lousy and Expensive? October 14, 2016

Posted by Tantumblogo in Basics, disaster, error, General Catholic, horror, It's all about the $$$, rank stupidity, Revolution, scandals, secularism, self-serving, sickness, Society, unbelievable BS.

Boy mine sure has.  When I changed jobs, my new employer’s health insurance options were modeled directly on Obamacare lines, with so-called “platinum” or “Cadillac” plans – which were more or less the standard insurance previous employers going back 20 years had offered – were priced so high that virtually no one would purchase them, and, indeed, if one cranked the numbers, actually cost more out of pocket than the high deductible “low cost” plans they were obviously trying to push people towards.  So now I have a high deductible plan that still costs me about 2/3 as much per month to pay for as my previous “Cadillac” plan did at my former employer.

Not that I’m complaining, just noting the overall trend.  It seems my insurance is average these days, and better than what a lot of companies are now offering.  I learned from a friend that a very large defense contractor is dumping all their employees into a single low benefit high deductible plan, as a move to probably forcing them onto Obamacare next year, if they can find it.  This is obviously oriented to create an artificial demand for Obamacare, so that as it continues to implode, economically, it will be “too big to fail” and require billions in our money to continue to prop up.  Even more, the rules Obamacare is enforcing on all insurers is driving more and more out of the market for individual insurance entirely, again, surely by design.  The goal is single payer, and the plan is to so screw up private insurance that a public plan, with massive rationing a la England, will be the “only possible alternative” (the powers that be will endorse).

Obamacare was indeed designed to fail.  And our bishops largely supported it, as they themselves, through the USCCB and its predecessors, have been calling for government run and owned health insurance for over 100 years.

Michelle Malkin relates a tale of woe that is growing more and more common.  Private insurance is growing increasingly poor in service and expensive to have, if one is able to find it at all:

Once was a shock. Twice was an outrage. Thrice is a nightmare that won’t end. [A nightmare our national elites seem bound and determined to foist on all of us.  And that applies to both parties, or most all Republicans, anyway, who have done next to nothing to try to roll back Obamacare]

Over the past three years, my family’s private, individual health insurance plan — a high-deductible Preferred Provider Organization — has been canceled three times. Our first death notice, from Anthem Blue Cross Blue Shield, arrived in the fall of 2013. Our second, from Rocky Mountain Health Plans, came last August. Three weeks ago, we received another ominous “notice of plan discontinuation” from Anthem informing us that the insurer “will no longer offer your current health plan in the State of Colorado.”

Every time we receive a cancellation letter, I recall President Obama’s big lie: “If you like your doctor, you will be able to keep your doctor. Period. If you like your health care plan, you will be able to keep your health care plan. Period. No one will take it away. No matter what.”………

………Like an estimated 22 million other Americans, I am a self-employed small-business owner who buys health insurance for my family directly on the individual market (as opposed to group insurance through a company or third party). Our most recent plan features a $6,000 deductible with a $1,000 monthly premium. It’s nosebleed expensive, but provides us access to specialists not curtailed by bureaucratic gatekeepers. This has been important for us because several members of my family have required specialized care for chronic illnesses. [Sounds very familiar, but both my premiums and deductibles are somewhat higher]

Once again, however, I’ll soon be talking about our plan in the past tense. Choices for families like mine have evaporated in the era of Obamacare. In Colorado, UnitedHealthCare and Humana will cease selling individual plans next year. Rocky Mountain Health Plans is pulling out of the individual market in all but one county. Nearly 100,000 of my fellow Coloradans will be forced to find new insurance alternatives as open enrollment approaches on Nov. 1, according to the Denver Business Journal. As Anthem abandons PPOs, the cost of remaining individual market plans will soar an average of 20 percent.

It’s a nationwide implosion.

Individual market customers on the Obamacare exchange in Oklahoma learned last week that they’ll face average rate hikes of a whopping 76 percent. Last month, Maryland approved double-digit rate hikes for all individual market plans. In August, Tennessee approved rate increases of between 44 and 62 percent for three insurers still carrying individual market plans. And in Minnesota, where the individual market is on the brink of collapse, state officials recently agreed to raise rates an average of 60 percent next year — affecting an estimated 250,000 people both on and off the Obamacare exchanges. [We are all paying, and paying dearly, for Obamacare and its 3000 pages of provisions.  It is causing insurance prices to skyrocket across the board, as insurers have to increase cost to offset massive losses through people abusing the system.  More and more doctors are refusing more and more insurance plans, limiting options.  All of this was predicted, of course, but conveniently ignored.  Ultimately, they want single payer, and causing the private market to implode is the best way to overcome American’s strong – and very correct – opposition to Euro-style government health care schemes and rationing.  England is now forcing people with “incorrect lifestyles” to go to the back of the list for things like heart surgery.  You will be made to care.]

This wealth redistribution Trojan horse was sold to gullible Americans as a vehicle for expanding “affordable” access to health insurance for all. Now, millions of us are paying the price: crappier plans, fewer choices, shrinking access to specialists, skyrocketing price tags — and no end in sight to the death spiral.

Mission accomplished.

Obamacare in a nutshell:

Not just Obamacare, but Obama (did you see the sicko video of the women press corp (and probably many of the men) ogling his crotch while he sported a w–dy?), the media, the demonrat party, and leftism generally.  Evil.


1. Baseballmom - October 15, 2016

It was designed to fail. The end game is total government control…we are almost there.

Tim - October 15, 2016

With that said, any Catholic who does not vote for Trump will be in objective mortal sin.

2. Camper - October 15, 2016


Obama pressured Justice John Roberts over the critical ruling over Obamacare in 2012!

Please, tell your congressman! Tell the Heritage Foundation, and other think tanks, like the Atlas Foundation in Washington so that they will tell the Trump Campaign before Wednesday night, when the last debate is! This is huge!


3. area reader - October 15, 2016

If anyone is interested, there are non-profit Christian cost-sharing health ministries. I have belonged to one for a couple of years because it satisfies the legal requirements under Obamacare (as indicated on a tax return). I learned about Christian Healthcare Ministries from someone at (Catholic) Church. While not Catholic they are pro-life and do no cover pregnancies conceived out of wedlock. They don’t pay for contraception. From what I understand they began as a group for self-employed persons about thirty years ago. They are approved by the Better Business Bureau. There are other groups as well. I believe that Catholics are finally getting into the act and organizing something similar.

Camper - October 15, 2016

Catholics cannot join Medishare because it requires signing a Protestant confession of belief. I almost signed up for them once and was still charged some absurd fee for attempting to sign up. Don’t talk to Medishare.

Chris Baker - October 15, 2016

What is this Protestant confession of belief? Can you link to it?

Camper - October 15, 2016

If you want to waste some serious time and money, you can start going through the process of signing up for Medishare. They will charge you $50. You have been forewarned.

Jo - October 17, 2016

And somehow that’s worse than paying for abortion/abortificants every month? We cancelled our health insurance the moment that little “perk” was added in 2012. Yup, it’s scary to be without insurance when you have young kids but im not willing to throw my 30 pieces of silver in for a copay.

I’m not sure I see Medishare as a problem for Catholics

Camper - October 17, 2016

Getting onto medishare requires signing a Protestant confession. That’s not allowed for Catholics. End of discussion.

James G - October 17, 2016

We use Altrua HealthShare. No confession, just to sign that you’ll live your life healthily. We pay about 500 for our family of six (there’s an initial 125 application fee), and haven’t had any problems using it.

4. richard - October 15, 2016

I to have been a member of Christian Healthcare Ministries for about 5 years now. I went to post here, to inform readers of this great organization. I have filed for assistance for 5 separate needs and had no issues, what so ever. The best membership (gold) cost $450 a month for unlimited family size and has a $500 deductible that can be met by what ever discount you secure from the provider. So in all but one incident, I secured discounts greater then the $500 so I paid nothing out of pocket. The one incident that I did pay, I paid $275. Every provider is more then happy to deal with patients using this ministry and everyone honors a discount, usually between 25% to 40% of services provided, (standard discount given to insurers). One other thing, there are no restrictions on what doctor you want to use ore what procedure you and he think is needed. A breath of fresh air compared to haggling with insurance and limited PPO’s.

This is the real deal. As the previous member stated, they have been in business for 35 years. I don’t understand why more people don’t take advantage of it. Unlike the liberals have made the nation believe, there is affordable healthier care and it has been available for 35 years.

Just another instance of the many, many lies, that deceives and distorts the truth, so that the the “long journey”, of the revolution can be completed, through our institutions.

Camper - October 15, 2016

Do they make the customer sign a Protestant confession, or any confession, for that matter?

Rmichealj - October 16, 2016

They have this on their website;

believe that there is only one God (Deuteronomy 6:4) eternally existing in three Persons: the Father, Jesus Christ the Son, and the Holy Spirit (Matthew 28:19). I believe Jesus is God, in equal standing with the Father and the Holy Spirit (Colossians 1:15-20, 2:9).
I believe the Bible is God’s written revelation to man and is verbally inspired, authoritative and without error (2 Timothy 3:16-17).
I believe in the deity of Jesus Christ who existed as God before anything was created (John 1:1), His virgin birth (Matthew 1:23), sinless life (Hebrews 4:15), miracles, death on the cross to provide for our redemption (1 Peter 2:24), bodily resurrection and ascension into heaven (1 Corinthians 15:3-8), present ministry of intercession for us (Hebrews 7:24-25) and His return to earth in power and glory (Matthew 24:30). He is the world’s only Savior and is the Lord of all (John 14:6, Acts 4:12, Isaiah 45:21-23).
I believe in the personality and deity of the Holy Spirit (Acts 5:3-4), that He performs the miracle of new birth in an unbeliever and indwells believers (1 Corinthians 3:16), enabling them to live a godly life (Romans 8:14).
I believe man was created in the image of God, but because of sin was alienated from God. Alienation can be removed by accepting God’s gift of salvation by grace through faith (Ephesians 2:8-10) which was made possible by Christ’s death and resurrection. This faith will be evidenced by the works that we do (James 2:17, 26).
I think it could be considered acceptable for a Catholic if one was veerrry loose in how they interpreted it, however, I also think the intent of the the authors was to be veerrry loose when they wrote it.

Basically they worded it so that it would be acceptable to most protestant denominations and faithful catholics who don’t get too legalistic about the words used. Remember some words mean different things to protestants than Catholics.

For example when they describe the Bible as authoritative they most likely mean that it contains things that should be lived by. If they wanted to exclude Catholics the word “only” would have been in that sentence.

Joseph D'Hippolito - October 19, 2016

Sorry, Rmichealj, but there’s nothing in that statement that should pose a problem to Catholics. It’s a basic statement regarding the fundamentals of Christian faith. You are going to have to point out specifically which sections pose problems.

Don’t Catholics believe that Scripture is as legitimate a source of divine inspiration as Tradition? If so, then what’s the problem with the statement that “the Bible is God’s written revelation to man and is verbally inspired, authoritative and without error”?

5. Kelly - October 16, 2016

I also am a member of Christian Healthcare Ministries. The have 3 levels of coverage, and the Gold level is certainly the best for families. They covered ALL of my maternity costs, including a bill we spent FOREVER disputing with a provider (so we couldn’t submit the bill on time, but CHM considered the situation and covered it anyway). They also have an additional program called “Brothers Keeper” which covers catastrophic type medical bills. They are not Catholic, but I did not have to sign anything against the Faith OR pro-Protestant.

That being said, there is a Catholic healthshare option: http://cmfcuro.com/

I stayed with CHM after CMF-CURO came out as they had better coverage for better prices, in my opinion.

I wish more Catholics would consider a healthshare. Good for the conscience, good for the pocket book!

6. David - October 17, 2016

Congress rushed this through, and there were a few members who said, “stop, we need to read the 2000 pages first.” There were also 14 doctors in Congress (Barrasso for one) who adamantly opposed it, along with 60% of the constituency, but their advice was ignored.

I was pleased this week that Mark Dayton, a Democratic governor, publicly mentioned the high costs of Obamacare which was also mentioned in this article that Minnesota costs are out of control.

The former Lt. Governor of New York, Betsy McCaughey, took the time to read the 2000+ page document and outline it. McCaughey, a moderate Democrat, has found many problems with the bill. I only know of one Democrat who voted down Obamacare, and that was Dan Lipinski.

7. Joseph D'Hippolito - October 17, 2016

“Catholics cannot join Medishare because it requires signing a Protestant confession of belief…”

That is ignorant bigotry, pure and simple. What in that confession of belief contradicts anything that Catholics believe? Have Catholics stopped believing in Scripture’s divine inspiration?

It’s about time Catholics stopped this snotty attitude toward Protestants, especially theologically conservative ones (and vice versa, as well). Jesus’ blood does not cleanse a Catholic from sin any more thoroughly than a Protestant (and vice versa, as well).

Get over yourselves, already! Given what’s happening in Rome and in the hierarchy, evangelical Protestants could be the best friends faithful Catholics have. At least both groups believe in the Gospel, despite differing theologies. It’s an open question whether Pope Francis and the hierarchy know what the Gospel is, let alone believe in it.

Camper - October 17, 2016

Sounds like you’re a heretic.

Joseph D'Hippolito - October 18, 2016

No, I’m not a heretic. The heretics are Francis and his careerist cronies in the hierarchy. I ask you the same question I asked the readership in general: With what in the “confession of belief” would a Catholic not agree?

Joseph D'Hippolito - October 18, 2016

BTW, Camper, FWIW, the “televangelists” who make money off people who have sincere faith also are heretics.

8. Raul De La Garza III - October 17, 2016

Who here is planning on keeping their kids on their insurance until they turn 27 years of age?

Tantumblogo - October 17, 2016

I hope I don’t need to. Sheesh if I do that with Josephina I’ll be 71!

Raul De La Garza III - October 17, 2016

I can appreciate that. In fact, there is one adult child in particular I am considering pulling out of the plan at the next enrollment cycle.

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