health insurance – Infinite Unknown

Exclusive: WellPoint routinely targets breast cancer patients, cancelling their health insurance

April 23, 2010April 23, 2010 by Infinite

Reuters has removed the article. See Google cache.

Just don’t get sick and PAY!

In case you get sick you will lose your mandatory health insurance.

It’s called ObamaCare.

(Reuters) – Shortly after they were diagnosed with breast cancer, each of the women learned that her health insurance had been canceled. There was Yenny Hsu, who lived and worked in Los Angeles. And there was Patricia Reilling, a successful art gallery owner and interior designer from Louisville, Kentucky.

Neither of these women knew about the other. But besides their similar narratives, they had something else in common: Their health insurance carriers were subsidiaries of WellPoint, which has 33.7 million policyholders — more than any other health insurance company in the United States.

The women paid their premiums on time. Before they fell ill, neither had any problems with their insurance. Initially, they believed their policies had been canceled by mistake.

They had no idea that WellPoint was using a computer algorithm that automatically targeted them and every other policyholder recently diagnosed with breast cancer. The software triggered an immediate fraud investigation, as the company searched for some pretext to drop their policies, according to government regulators and investigators.

Once the women were singled out, they say, the insurer then canceled their policies based on either erroneous or flimsy information. WellPoint declined to comment on the women’s specific cases without a signed waiver from them, citing privacy laws.

That tens of thousands of Americans lost their health insurance shortly after being diagnosed with life-threatening, expensive medical conditions has been well documented by law enforcement agencies, state regulators and a congressional committee. Insurance companies have used the practice, known as “rescission,” for years. And a congressional committee last year said WellPoint was one of the worst offenders.

But WellPoint also has specifically targeted women with breast cancer for aggressive investigation with the intent to cancel their policies, federal investigators told Reuters. The revelation is especially striking for a company whose CEO and president, Angela Braly, has earned plaudits for how her company improved the medical care and treatment of other policyholders with breast cancer.

The disclosures come to light after a recent investigation by Reuters showed that another health insurance company, Assurant Health, similarly targeted HIV-positive policyholders for rescission. That company was ordered by courts to pay millions of dollars in settlements.

In his push for the health care bill, President Barack Obama said the legislation would end such industry practices.

But many critics worry the new law will not lead to an end of these practices. Some state and federal regulators — as well as investigators, congressional staffers and academic experts — say the health care legislation lacks teeth, at least in terms of enforcement or regulatory powers to either stop or even substantially reduce rescission.

“People have this idea that someone is going to flip a switch and rescission and other bad insurance practices are going to end,” says Peter Harbage, a former health care adviser to the Clinton administration. “Insurers will find ways to undermine the protections in the new law, just as they did with the old law. Enforcement is the key.”

Americans threatened with jail, huge fines for refusing to buy health insurance

September 29, 2009 by Infinite

“President Barack Obama wants to label me a criminal. He wants to fine me twenty-five thousand dollars and throw me in prison for one year for my refusal to pay money into a corrupt, broken sick care system.”
– Mike Adams (Natural News)

Relarted articles:
– Yes, you will! Obamacare, jail or a $25000 fine
– Yes, you will! FORCED vaccinations, isolation & quarantine, health care interrogations and mandatory ‘decontaminations’

(NaturalNews) There’s a popular video circulating on the ‘net right now about how to escape handcuffs without using a key. Americans are watching the video to bone up on essential skills that will soon be needed for health care reform, it seems, since the new laws that are about to be put in place call for Americans to be arrested and thrown in jail if they refuse to buy health insurance.

This has now been confirmed by Tom Barthold, the Chief of Staff of the Joint Committee on Taxation. And it’s not merely about jail time; it’s also about the $25,000 fine that could be levied by the IRS against individuals who refuse to buy health insurance.

That this is even being considered just boggles the mind. If a person is too broke to afford health insurance right now, how are they supposed to be able to buy it after paying a $25,000 fine and spending a year in prison?

As Paul Craig Roberts brilliantly pointed out in a recent essay, this is like trying to solve the homeless problem by forcing homeless people to buy a home, then throwing them in prison when they can’t afford to.

There’s never enough money to pay for a nation full of sick people

The current health care disaster in America is not simply a problem of people refusing to buy health insurance; it’s an issue of people not being able to afford to buy health insurance. When the annual insurance premium for a family of four is something above $13,000, that’s a terrible financial burden that many Americans simply can’t afford to pay — especially when so many people have lost their jobs due to the faltering economy.

The brutal facts of the matter are inescapable: The American people are too broke to buy their own health insurance, and the American government is too broke to buy it for them. The whole nation is going bankrupt over runaway health care costs. And why? I hate to invoke the “I told you so” phrase in a crisis like this, but the reasons for all this have been apparent for many years, and we’ve been regularly reporting them on NaturalNews: Our national “health care” system is really a “sick care” system that pushes deadly chemicals and medically-unjustified surgical procedures instead of teaching people how to stay well.

As long as junk food companies and pharmaceutical companies are allowed to run advertisements on television, and as long as the FDA and FTC continue their campaigns of censorship against nutritional cures and natural remedies, we will always have a health care crisis. You know why? Because no nation in the world can afford to foot the bill for a country full of sick people.

Insurers admit: 50,000 employees lobbying Congress to claim profits fair

August 24, 2009 by Infinite

– Healthcare insurers get a financial ‘bonanza’

Memo tells employees to keep a low profile

A spokesman for America’s Health Insurance Plans, the industry’s trade group, admitted in an article published Monday that as many as 50,000 industry employees are involved in an effort to fight back against aggressive healthcare reform.

The admission, published in the last sentence of a Wall Street Journal article, highlights the stakes of potential healthcare reform for the private health insurance industry. Insurers and investors alike are terrified at the prospect of a so-called “public option,” which would create a government-run health insurance program to compete with private insurers. Because the government plan wouldn’t have to earn a profit, the plan would be able to undercut the premiums of private firms, pressuring profit margins.

“The health-insurance industry is sending thousands of its employees to town-hall meetings and other forums during Congress’s August recess to try to counter a tide of criticism directed at the insurers and remain a player – and not an outsider – in the debate over the future of the health-care system,” the Journal‘s Vanessa Fuhrmans and Avery Johnson wrote Monday.

Employees of the health insurers have also been given talking points that encourage them to keep a low profile and avoid taking “the bait” when the industry is criticized in public, the reporters say. The industry’s trade group drafted a “Town Hall Tips” memo that instructs employees to stay calm and not to yell at members of Congress.

The industry’s staff have also been encouraged to write their local representatives.

Health insurers are trying to reshape the debate over the public option by fighting back against charges that they’re enjoying record profits at consumers’ expense. Most private insurers enjoy a four to six percent profit margin, which is less than many other industries, but, all told, amounts to billions and billions of dollars.

Karen Ignagni, America’s Health Insurance Plans’ chief lobbyist, says that town hall meetings are a chance for employees “to strongly push back against charges that we have very high profits.”

“It’s very important that our men and women… calmly provide the facts and for members of Congress to hear what these people do every day,” Ignagni added.

Healthcare insurers get a financial ‘bonanza’

August 24, 2009 by Infinite

– Insurers admit: 50,000 employees lobbying Congress to claim profits fair

Obama’s overhaul fight is being won by the industry, experts say. The end result may be a financial ‘bonanza.’

Reporting from Washington – Lashed by liberals and threatened with more government regulation, the insurance industry nevertheless rallied its lobbying and grass-roots resources so successfully in the early stages of the healthcare overhaul deliberations that it is poised to reap a financial windfall.

The half-dozen leading overhaul proposals circulating in Congress would require all citizens to have health insurance, which would guarantee insurers tens of millions of new customers — many of whom would get government subsidies to help pay the companies’ premiums.

“It’s a bonanza,” said Robert Laszewski, a health insurance executive for 20 years who now tracks reform legislation as president of the consulting firm Health Policy and Strategy Associates Inc.

Some insurance company leaders continue to profess concern about the unpredictable course of President Obama’s massive healthcare initiative, and they vigorously oppose elements of his agenda. But Laszewski said the industry’s reaction to early negotiations boiled down to a single word: “Hallelujah!”

The insurers’ success so far can be explained in part by their lobbying efforts in the nation’s capital and the districts of key lawmakers.

Economy hitting the elderly especially hard

July 29, 2008 by Infinite

Matt Jackson of the Meals On Wheels program waits to deliver a meal to a home in Charleston, W.Va. The program is losing volunteer drivers nationwide because of rising gas prices.

Bankruptcies soar as retirees, agencies struggle to keep up with rising costs

Bob Emily put in an honest day’s labor every day of his life.

“I worked for the railroad, for the town marshal, security, bars, Sealy down here, UPS,” said Emily, 82, of Commerce City, Colo. “Worked hard all my life until I got sick.”

Then the bills started piling up.

“Hospital bills built up,” said Emily, who didn’t have health insurance. “I had to get loans to take care of my bills. Then I was getting behind on the loans.”

Every day, more calls and letters would come in from creditors and collectors. “I just got tired of it,” Emily said, so three months ago, he filed for bankruptcy.

Dutch health system rated best, U.S. worst – polls

July 9, 2008 by Infinite

NEW YORK, July 7 (Reuters Life! ) – Americans are the least satisfied with their health care system – and their President –, while the Dutch system is rated the best, according to new research.

Polls about health care in 10 developed countries by Harris Interactive revealed a range of opinions about what works and what doesn’t.

In the United States a third of Americans believe their system needs to be completely overhauled, while a further 50 percent feel that fundamental changes need to be made.

Fine for Failing to Obtain Health Insurance

June 4, 2008 by Infinite

Nearly 100,000 Massachusetts taxpayers have been fined for failing to obtain health insurance, even as a major survey concludes the effort to create near-universal coverage in the state is meeting key goals.Five percent of taxpayers failed to obtain health coverage last year, and more than half of those — about 97,000 — were forced to forfeit their personal exemption — worth $219 — after it was determined they could have afforded health care.

Two percent of taxpayers — about 62,000 — were found not to earn enough for health care, avoiding fines. Under the landmark law, taxpayers must show they are insured or face penalties. The numbers were based on a review of 86 percent of expected tax filers for 2007.

Gov. Deval Patrick said the fact that 95 percent of filers were insured shows the 2006 law, which mandates health care for nearly all residents, is making progress.

A Trillion Dollar Rescue for Wall Street Gamblers

June 25, 2008April 17, 2008 by Infinite

Nothing for Families and Retirees

If the move to a Unitary Executive of unfettered presidential power frightens you, America’s radical right turn to Unitary Finance should compound your fears–and your debts as well. The financial events of the last two weeks of March 2008 demonstrate that the “economic royalists” and “money changers” whom Franklin Delano Roosevelt (FDR) drove from the temple of finance have returned to mismanage our economy into dire straights of unprecedented risk–debt creation, euphemized as “leveraging” and “wealth creation.”

The few checks and balances that remain in the way of the financial sector’s increasingly centralized planning, especially at the state level, are being swept aside under the guise of “saving the system.” Few Wall Street beneficiaries who use this phrase explain just what the system is. For starters, its political managers are industry lobbies appointed to high managerial and planning positions in the public agencies that are supposed to regulate these industries. Their idea of financial planning is to put a trillion dollars in government agency funds and credit guarantees at risk. This agency funding was supposed to be used to help average American families obtain housing and health care, and to protect their savings and provide for their retirement. Instead, it is being mobilized to support the economy’s bankers and financial managers. Indeed, the past few weeks have seen seemingly trillions of dollars committed for war making and bank support.

The banking system’s free creation of credit, doubling each five years or so for the economy at large, threatens to culminate in debt peonage for many American families and also for industry and for state and local governments. The economic surplus is being quickly absorbed by a combination of debt service and government bailouts for creditors whose Ponzi schemes are collapsing right and left, from residential to commercial real estate and corporate takeover loans to foreign bubble-economy credit.

This is the context in which to view the past few weeks’ financial turmoil surrounding Bear Stearns, JPMorgan/Chase and the rapidly changing debt landscape. “The system” that the Treasury, Federal Reserve and the New Deal agencies captured by the Bush Administration is trying to save is an economy-wide Ponzi scheme. By that I mean that the business plan is for creditors to lend debtors enough money for them to pay the interest costs so as to keep current on their loans.

Super Imperialism – New Edition: The Origin and Fundamentals of U.S. World Dominance