Long, but a good and MUST read ......

PLEASE send this to as many of your friends as you can, I think it is a perfect example of how this system is unfolding, a total disaster, and much like to snowball starting down the hill, this is only going to GROW and get worse and ultimately be a total disaster that could be the ruination of our country. Ask yourself, WHO wrote it, WHEN was it done, HOW was it compiled, and WHAT was its intent???????? Has ANYONE really read it and understands it? We can compare OBAMACARE to the Titanic, it will happen, we just don't know when..................

Many of us can identify with the frustrating experience that Karri Kinder, a mother of two from Auburn, Alabama, has had with Obamacare. She penned this open letter to share her story

An Open Letter to the Obama Administration and American Citizens:

My family’s journey with securing our new insurance under the Affordable Care Act (ACA) started on October 1, 2013. I have decided to write this letter to let the American people know what it has been like for us. We are a family of four, with two little boys’ ages seven years old and three years old. My husband and I have had full time jobs for 6 years and 13 years respectively. We have been with the same two companies for those years. We are a middle class family; we own our three bedroom two bath house, we own two cars, and previously provided our own insurance for the four of us. We have coverage through Individual Blue from Blue Cross Blue Shield of Alabama until 12/31/13. Our premiums have been $380.00 a month, which also included dental coverage for all four of us.

On October, 1, 2013 we received our letters like other Alabamians about our new premiums and plans for 2014 from Blue Cross Blue Shield (BCBS) of Alabama. When I opened our letter to say I had sticker shock was an understatement. Our premiums for the Blue Saver Silver would now be $753.26. This included the ACA tax but did not include the additional $75.00 we would need to pay in order to keep dental for me and my husband. So we would need to pay total $828.26 to keep health and dental insurance for the four of us. 

This payment is roughly $64.00 less than what we pay for our mortgage each month. I was outraged that anyone thought we could afford this. Sure we have some savings, but with that price tag we would whittle it down to almost nothing very quickly. I consider savings as a rainy day fund, a start to saving for the kid’s college, our retirement, etc. I never dreamed in a million years we would need to use it to pay our insurance premiums each month – how in the world could this help the economy too?

Throughout the month of October we read everything we could on what our plan would cover, and tried to get the information we needed about the ACA. I was also blown away when I realized that my son’s medical care, he has Attention Deficit Hyperactivity Disorder (ADHD), would cost us so much more out of pocket than it was currently costing us. My son has to go to his doctor every other month for his care. If we need to see a therapist we do that monthly, so you see on top of the premiums there are other out of pocket cost we have to factor in. He is also on medication that he takes daily. His medicine is a life saver for him and helps him function like a normal seven year old, without it he can’t focus, his grades slip and his mind literally goes back to the mind of a three or four year old. When he was first put on his medicine his reading went up 20 points and he went from writing one to two sentences to paragraphs, all in the course of a week. He is a straight A student and very bright, but without the proper medical care that could slip away from him. Under our new plan for 2014 we would need to pay a $55.00 co-pay, and then it would be covered at 80 percent once we reached his deductible, which would be $2,000 individual $4,000 family. Out of pocket max numbers are $6,350 individual and $12,700 family. All of this is enough to make anyone’s head spin. We were then forced to look at other options as none of this was affordable for our family.

I started to dig deeper into healthcare.gov. I was hearing all the horror stories through the news about the subpar website. I was reading right off their healthcare.gov Facebook page about other people’s terrible experiences trying to get coverage. Then the government announces that they are going to be working on the site and making it a better experience as well as making it more secure. They had already had three years to make this happen but they said would need the month of November to get it running right. So I waited patiently for them to get the site running so I could see if we would qualify for the subsidy and continue our health insurance through that route.

December 6, 2013 I went to healthcare.gov and started our application. The process took me over two hours to complete. Once it was completed it came back with our results. The results were that my husband and I qualified. That my three year old qualified for All Kids and that my seven year old did not qualify for anything through the exchange (ACA). I was so confused, how could a seven year old not qualify for a subsidy? I was also confused on why they wanted me to enroll one of my children in All Kids? So, I called the number they provided to speak to a representative. I was on hold for 20 minutes when a woman answered and offered to help me with the results. She told me that it is coming back that my seven year old son did not qualify and the only thing I could do was to file an appeal. I asked her a few more questions about how this could have happened, and I was told “she does not know and that all I can do is file an appeal”. She was reading her responses to me right off of a chart that I am sure they are given. So, I ended my conversation with her and proceeded to try to wrap my head around what was happening.

I decided to call back, this time I waited 15 minutes and spoke to a very nice gentleman who seemed to have an understanding for how the system was working. He looked up the results and said “this can’t be right, let’s start over and do an application over the phone”. So again I went through the application process. The results came back the exact same, we all qualified for something except my seven year old son. The gentleman could not understand how this could be happening and assured me it had to be a “glitch” in the system. He placed me on hold so he could speak with his supervisor on how to fix this error. I waited several minutes and when he came back he said “there was nothing more they could do tonight”. He said “we are sending your application to two different departments and that one of the departments would get back to me through a phone call with a fix to this problem”. He also told me “it could take 2-5 days but that I would receive a phone call when they had closed my case”.

So I waited until Tuesday December 10, 2013, which was day four and called them back. I was then told it would be 2-5 business days and if I had not heard from them at that time to call back. So that is what I did, I waited till 9:00 pm on that Friday December 13, 2013 with no phone call. I called Sunday December 15th, 2013 and spoke with my 3rd supervisor who told me “they were very sorry that I had not received a phone call and they were messaging the two departments to give me a call the following day”. He also said to go ahead and file with All Kids in my state because even though they send that information to them, they have no idea when they will receive it. So Monday I went and applied for All Kids for my children, it was a similar application to the healthcare.gov site. I called them to verify that they received my application and was told they cannot access it till sometime in January. They said once they could access it that they would be in touch and if the kids qualified the coverage would retro act to January 1, 2014. So that was a little bit of good news.

So here we are December 22, 2013, the day before the December 23rd deadline to sign up through the Health Insurance Marketplace’s Exchange. I decide I will call one last time to see what they can tell me about coverage, since I never received a phone call after my last conversation with a supervisor. I waited on hold for 1 hour and 15 minutes. I asked to speak with a supervisor and I was transferred. The supervisor pulled my file and was talking to me when she must have accidentally pressed a button and we got disconnected. I thought for sure she would call me back. That is one of the first things they ask for is your phone number. I did not receive a call back, so I call back and have to be placed on hold again to speak to someone. I waited another hour and a half before I get connected with a supervisor. 

She pulls up my file and tells me “there is nothing they can do and I have to wait the 90 days they have to contact me through the appeals process”. The supervisor tells me “that this whole time I have been told wrong by numerous people and that I should have been called back but that the two departments could do nothing for me”. I just have to wait the 90 days. I asked her, “so yet again an error, due to no fault of my own, has occurred all these times I have been calling and speaking with people and no one can really do anything”? She said “yes that is correct, I am sorry you have been told something different but that is all I can tell you”.

I have never been treated so poorly by any insurance company in my whole life. I have never experienced such terrible customer service in all my years on this earth. I can’t imagine how long a company would last in this country if they followed the same protocol as the ACA/Health Insurance Marketplace does. 

Most companies can fix a glitch in their systems pretty easily, or can connect you to someone who can. Not the ACA/ Health Insurance Marketplace, you spend all that time on hold to just be told, so sorry but you have to wait for someone to get back to you in a 90 day time span.

What is the most sickening thing to me is that we have been forced into the Health Insurance Marketplace’s Exchange. We wanted to continue our coverage through BSBC and pay as we always had been. But, we found out that option would not be affordable under the new Act, which is how we were forced into the Exchange. 

Furthermore, not only were we forced into the Exchange, but then forced again to submit an application to ALL Kids for our children. I just don’t understand how we go from being hard working middle class family who provides everything for our family to where we are today. I feel like everything that my husband and I have worked hard for is for nothing. I pray each night that we will get something resolved with our “glitch” in the system so our children will have health insurance coverage in January and by the time I have to purchase my son’s $400 a month ADHD medicine.

I really don’t know how our government can allow this to be taking place. What if something happens and one of my boys breaks an arm, or God forbid something worse? They don’t have insurance, so I guess we will then be paying the hospital monthly if that happens. We are almost completely debt free currently and now all I see is very large medical bills in our future until the government can fix the issues with the ACA/Exchange. I would really like them to rename the Affordable Care Act, because from where I am sitting it is anything but affordable or caring for my family.

Sincerely,

Karri Kinder

Pelosi: Obamacare Implementation Has ‘Gone Very Well’

House Minority Leader Nancy Pelosi is delusional as ever as she proudly pronounced on Tuesday that the roll-out of Obamacare has “gone very well.”

While certain things remain debatable- the greatest Beatles album, the fairness of the designated hitter rule- one thing remains as certain as the sky being blue: 

Obamacare’s roll-out, from any truthful perspective, has not gone well.

'Best and brightest' techies drafted to fix Obamacare computer glitches

Republican lawmakers are demanding that HHS Secretary Sebelius tell them how and why the Obamacare rollout got bogged down with computer problems. HHS says it’s getting expert help.

Two big problems hit the Obama White House on Oct. 1: the government shutdown, which saw hundreds of thousands of federal workers furloughed, national parks closed, and other disruptions. And the launch of the Affordable Care Act, which was always going to be tricky.

The first problem was solved – temporarily, at least – when Republicans and Democrats worked out a stop-gap spending deal, also heading off (for now) a government default on its debts. By most accounts, the White House came out the winner, although President Obama was careful not to beat his chest too much about it.

The second problem – the president’s signature achievement so far, known as “Obamacare” – has only gotten worse.

The White House reported this weekend that about 19 million people have visited HealthCare.gov and 476,000 individuals have applied online for health insurance.

But officials have yet to say how many people have actually bought a policy. In any case, it's a long way from the 7 million people the administration wants to see enrolled for health insurance through online exchanges during the six-month sign-up period.

on Stewart accuses Kathleen Sebelius of lying to him about Obamacare

Health and Human Services Secretary Kathleen Sebelius likely thought her interview with Jon Stewart on “The Daily Show” Monday night would be an easy setting to pitch the Obamacare exchanges to young people. Instead, she ended up getting accused of being a liar by the popular comedy host.

During his interview with Sebelius, Stewart repeatedly sought an answer from the secretary on why big businesses got a delay in their Obamacare mandate to provide affordable health insurance to their employees, while individuals did not get a delay in their Obamacare mandate making them purchase health care or face a penalty.

In a rare monologue at the end of the show, Stewart said he remained confused and that he suspected that the secretary may have been lying to him.

What is ..................... Dhimmitude?

FOOD FOR THOUGHT !!!!! /

What does this word mean? Dhimmitude

The word "Dhimmitude" is found in the new health care bill; so what does it mean? Thought this was interesting and worth passing on. Obama used it in the health care bill.

Now isn't this interesting? It is also included in the health care law.

Dhimmitude -- I had never heard the word until now. I typed it into Google and started reading. Pretty interesting; It's on page 107 of the healthcare bill. I looked this up on Google and yep, it exists... It is a REAL word.

Dhimmitude is the Muslim system of controlling non-Muslim populations conquered through jihad (Holy War). Specifically, it is the TAXING of non-Muslims in exchange for tolerating their presence AND as a coercive means of converting conquered remnants to Islam.

Obama Care allows the establishment of Dhimmitude and Sharia Muslim diktat in the United States . Muslims are specifically exempted from the government mandate to purchase insurance, and also from the penalty tax for being uninsured. Islam considers insurance to be ,"gambling", "risk-taking", and "usury" and is thus banned. Muslims are specifically granted exemption based on this.

How convenient. So I, as a Christian, will have crippling IRS liens placed against all of my assets, including real estate, cattle, and even accounts receivable, and will face hard prison time because I refuse to buy insurance or pay the penalty tax. Meanwhile, Louis Farrakhan will have no such penalty and will have 100% of his health insurance needs paid for by the de facto government insurance. Non-Muslims will be paying a tax to subsidize Muslims.

This is Dhimmitude. I recommend forwarding this blog on to your contacts. American citizens need to know about it --

The Supreme Court upheld President Barack Obama's health care law on Thursday, but Louisiana Gov. Bobby Jindal, a possible Republican vice presidential contender who has refused to establish a federally mandated health care exchange in his state, said Friday that he will continue to ignore it.

"We're not going to start implementing Obamacare," Jindal said during a conference call with Virginia Gov. Bob McDonnell. "We're committed to working to elect Gov. Romney to repeal Obamacare."

Under the Affordable Care Act, states must set up a health insurance exchange program by Jan. 1, 2014, and will receive grants from the federal government to implement it. Several Republican governors, including both Jindal and McDonnell, have put off setting up the exchanges in the hope that the law would be repealed or struck down by the court. Now that the law has been upheld, Jindal said he won't change course and is looking to presumptive Republican presidential nominee Mitt Romney to lead the repeal effort if he takes office in 2013.

"Here in Louisiana we have not applied for the grants, we have not accepted many of these dollars, we're not implementing the exchanges," Jindal said. "We don't think it makes any sense to implement Obamacare in Louisiana. We're going to do what we can to fight it."

"Kidneys for Progress," states Obama. TinC

Due to results of recent poles, Barack Obama during his weekly "Chat with the Nation," appealed to all Democratic and Independent voters that still retain both kidneys, to sell one kidney, and donate the money to his presidential campaign.

He stated, "Hey, many of my supporters have both kidneys, and there are many other supporters who are in need of a kidney, it's a win/win situation. I get money for my campaign those in need, get a kidney, and much of the success of this campaign can be attributed to ObamaCare, ah, somehow or in someway, ah, well, anyway, it makes sense to me."

Ebay will handle the sale of the kidneys, the Salvation Army will set up their bell ringers for the collection, and various hospitals around the country will be set up to coordinate the actual surgery. Proceeds from the sales will be made directly to the "Four More and then Some-more" Committee, Chicago, Illinois, Michelle Obama, Treasurer. Illinois residents may register their donated kidney, and vote in the upcoming election.

A "Do it Yourself" kit is being manufactured in China, and will soon be available at all Walmart Stores.

Another $17 trillion surprise found in Obamacare

By Neil Munro
    Senate Republican staffers continue to look though the 2010 Obamacare law to see what’s in it, and their latest discovery is a massive $17 trillion funding gap.
    “The more we learn about the bill, the more we learn it is even more unaffordable than was suspected,” said Ala. Sen. Jeff Sessions, the Republican’s budget chief in the Senate.
    “The bill has to be removed from the books because we don’t have the money,” he said.
    The hidden shortfall between new Obamacare spending and new Obamacare taxes was revealed just after Supreme Court judges grilled the law’s supporters about its compliance with the constitution’s limits on government activity. If the judges don’t strike down the law, Obamacare will force taxpayers find another $17 trillion to pay for Obamacare’s spending.
    The $17 trillion in extra promises was revealed by an analysis of the law’s long-term requirements. The additional obligations, when combined with existing Medicare and Medicaid funding shortfalls, leaves taxpayers on the hook for an extra $82 trillion over the next 75 years.
    The federal government already owes $15 trillion in debt, including $5 trillion in funds borrowed during Obama’s term.

Bleeding Edge of ObamaCare Rationing

Nancy Pelosi said that Congress must pass ObamaCare to find out what's in it. Now we have healthcare rationing by committee, the cornerstone of ObamaCare's socialist approach to medicine.

Sarah Palin was right. If ObamaCare is allowed to stand, an unelected and unaccountable "death panel" made up of bureaucrats in Washington D.C. will be charged with...
Rationing the health care options for tens of millions
Limiting access to life-saving treatments
Limiting medical breakthroughs or delaying their treatment
Dictating which prescription drugs are government approved

Everything about ObamaCare is about restricting your freedom, taking health care decisions away from you and giving them to a collection of bureaucrats, politicians and lobbyists that Barack Obama thinks "know better" then you about what's best for your family.

Even Massachusetts Democrat Rep. Barney Frank supports H.R. 452: To repeal the provisions of the Patient Protection and Affordable Care Act providing power to the Independent Payment Advisory Board (IPAB). Frank was the 12th Democrat and the most prominent of the 212 members of the House, to co-sponsor the bill currently stuck in committee.


IPAB is a 15-member board, appointed by the president that is scheduled to begin rationing care in 2014.

In order to reduce per capita Medicare spending, the board will recommend levels at which Medicare recipients, our nation's seniors, can be reimbursed for health care expenses by rationing healthcare benefits.
ObamaCare also forces The United States Preventative Services Task Force (USPSTF) to decide what preventative health treatments will be covered by ObamaCare's government-approved insurance.
And to give you an idea of what's to come... In November 2009, USPSTF suggested women age forty to forty-nine should not get routine mammograms. The country was outraged at the mammography proposal as USPSTF was weighing the benefit of breast cancer screening against the cost savings of letting some additional cancers go undetected.
ObamaCare and its death panels could make the mammography recommendation a government mandate.

I remember .................

Do you remember when Obamacare was finally passed? 

It was a group of Democrats, led by Michigan's Bart Stupak, who held out

 because they objected to taxpayer funded abortion.

Obama won the vote with an executive order promising that wouldn't happen.

Now we've got him ordering dispersal, at no cost, of morning after abortion pills!

OBAMACARE - my opinion

My reason for being opposed to OBAMACARE ....

I am presently on MEDICARE

OBAMACARE will put everyone on MEDICARE

It will create a GIGANTIC entity

COSTS will have to be cut

The elderly are the costliest

Care and benefits to the elderly will be cut

The sooner we are gone, the better it will be, for OBAMACARE

Today, the largest employer in the world is the Chinese Army

The second largest employer is the India Railway

The third largest is the Health Care System, in England

If OBAMACARE goes in to effect, that will create the largest employer in the world
and, in my opinion, the most disastrous decision in world history.

FOR OBAMACARE, THE FEWER ELDERLY, THE BETTER

It is that simple, if you are old, and you get sick, you die.

TODAY, the goal, "To increase the quality and longevity, of life"
OBAMACARE: "Increase the quality, at the lowest cost, and longevity is too costly"

This foto says a lot ............... look and read

I am stunned that the official White House Blog published this picture and that it is in the public domain. The President's body language is most revealing.

Sergeant Crowley, the sole class act in this trio, helps the handicapped Professor Gates down the stairs, while Barack Obama, heedless of the infirm ities of his friend and fellow victim of self-defined racial profiling, strides ahead on his own. So who is compassionate?
And who is so self-involved and arrogant that he is oblivious?

In my own dealings with the wealthy and powerful, I have always found that the way to quickly capture the moral essence of a person is to watch how they treat those who are less powerful. Do they understand that the others are also human beings with feelings? Especially when they think nobody is looking.

I think this photo constitutes another major Obama blunder. This picture becomes a
metaphor for ObamaCare. The elderly are left in the back, with only the kindness of the Crowleys of the world, the stand up guys, to depend on. The government has other priorities.

One of the major subtexts of the health care debate involves the public's fear of indifferent, powerful bureaucrats ruling t heir lives. It is one thing to wait in line at the DMV to find out which other line you should wait in, in order to begin the process of waiting for multiple bureaucrats to go through the motions of processing your request. I have spent the entire afternoons going through this process.

But when we get to Health Care, waiting often means enduring pain and dysfunction longer than necessary, sometimes a worsening of the condition, and sometimes death.

That's why I think this image will have genuine resonance. It captures something that older Americans in particular can relate to. The President presses ahead with a program that will tell them to take painkillers instead of getting that artificial hip.

At every stage of the entire Gates affair, Obama has provided a revealing tell. The "acted stupidly" blunder revealed that he automatically blames the police and thinks they really are stupid to begin with. It didn't trigger a single alarm bell in his mind as he figured out what to say.

Then, the non-apology apology revealed an arrogant man who cannot do what honest people do: admit it when they make a mistake.

Now at stage three, the beer photo op looked OK. It didn't turn into a disaster.

But then in a small moment that nobody in the White House had the brains to understand, Obama goes and sends a body language message like this.

I think he is going to get deeper and deeper into trouble. He is no longer repeating the familiar scripts dreamed up for the campaign. He was a master performer.

But when he goes improv, as a president must do, he lets his true character show.
This helps widen the level of doubt that Obama is the same guy a majority voted for.
Those doubts can only grow.


Author Unknown.

The pelosi 5.4% income surtax ....................

Even many Democrats are revolting against Speaker Nancy Pelosi’s 5.4% income surtax to finance ObamaCare, but another tax in her House bill isn’t getting enough attention. To wit, the up to 10-percentage point payroll tax increase on workers and businesses that don’t provide health insurance. This should put to rest the illusion that no one making less than $250,000 in income will pay higher taxes.

To understand why, consider how the Pelosi jobs tax works. Under the House bill, firms with employee payroll of above $250,000 without a company health plan would pay a tax starting at 2% of wages per employee. That rate would quickly rise to 8% on firms with total payroll of $400,000 or more. A tax credit would help very small businesses adjust to the new costs, but even a firm with a handful of workers is likely to be subject to this payroll levy. As we went to press, Blue Dogs were taking credit for pushing those payroll amounts up to $500,000 and $750,0000, but those are still small employers.

So who bears the burden of this tax? The economic research is close to unanimous that a payroll tax is a tax on labor and is thus shouldered mostly if not entirely by workers. Employers merely collect the tax and then pass along its costs in lower wages or benefits. This is the view of the Democratic-controlled Congressional Budget Office, which advised on July 13: “If employers who did not offer health insurance were required to pay a fee, employee’s wages and other forms of compensation would generally decline by the amount of that fee from what they otherwise would have been.”