Tag Archives: Business

Let's just eliminate that dog.

This is who you protect when you wish for Obama to “fail”. This is the side you have chosen to stand with, protect and help defend.

Insurer ends health program

rather than pay out big

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Ian Pearl has fought for his life every day of his 37 years. Confined to a wheelchair and hooked to a breathing tube, the muscular dystrophy victim refuses to give up.

But his insurance company already has.

Legally barred from discriminating against individuals who submit large claims, the New York-based insurer simply canceled lines of coverage altogether in entire states to avoid paying high-cost claims like Mr. Pearl’s.

In an e-mail, one Guardian Life Insurance Co. executive called high-cost patients such as Mr. Pearl “dogs” that the company could “get rid of.”

That’s right, Mr. Pearl, is a “Dog” that the company needs to “Get rid of”

Let’s put this is perspective for just a second. I told you about a friend of mine recently to try and put a face many of us know on this healthcare debate.  I wanted Chuck’s story to be on everyone’s mind as they were regurgitating the latest poison from Glenn Beck’s mouth. I wanted people to have a visual of the person they were condemning in their almost orgasmic need to have a United States President fail. A failure that  some of these people  dream of, masturbate to…pray for every chance they get. “At all costs” is the motto, “At any cost” is the pledge.

I failed of course, not even the plight of a great man and amazing friend to many of us made a scratch in the shell that surrounds these ideologues.

So I will try again.

Instead of Mr. Pearl, who has the same condition as Chuck, I want to you again put Chuck’s name, his face, his interaction with you, his “self”.. put him in this story. Does that do anything for you ideologues? Can you sit there and hear that Chuck is just a “Dog” who needs to be gotten “rid of” because he dared to buy an insurance policy, he dared to pay it, he dared to get a debilitating degenerative disease and most of all  he dared to not die quickly enough?  The company that waspaid to cover health costs  can’t cancel one ‘dog’  because it would be against the law, so they just cancel an entire state of ‘dogs’. Is there any face I can put on this problem that will make a dent?

You may say “Oh but Kelly, I’m sure the courts will stop the insurance company from canceling everyone with this kind if policy. I’m sure a judge will see that this man, Mr. Pearl will die if this insurance company is allowed to cancel his policy.” But you would be wrong.

A federal court quickly ruled that the company’s actions were legal, so on Dec. 1, barring an order by the federal Department of Health and Human Services, Mr. Pearl will lose his benefits.

So much for that ‘check and balance’.

For those that abhor government intervention, will you cry with Glenn Beck if the  Health “Czar” Kathleen Sebelius orders the company to live up to it’s contract.

Sadly, we all know the answer to that… Yes, yes  you will.

Will those of you who even thought about trying to explain just how President Obama was creating “Death Panels” care to pick up your pitchfork against this actual ‘death panel’?  Mr. Pearl needs 24 hr nursing care, he is on a ventilator and needs hourly breathing treatments and continuous intravenous medication. Without this he will die, here is your Death Panel Sara Palin, will you ‘tweet’ about how evil this is? Will you take hundreds of thousand of dollars for a speech on this kind of injustice, will the people who aped your stupidity write Mr. Pearl or even Chuck’s name on a sign and demand they not be forgotten?

Sadly, we know the answer to that is.. no, no you won’t.

Guardian, a 150-year-old mutual company, reported profits of $437 million last year, a 50 percent increase over $292 million in 2007. It paid dividends of $723 million to policyholders and had $4.3 billion in capital reserves, according to its annual report. The company’s investment income totaled $1.5 billion that year, a small increase from the year earlier.

This is who you protect with your hatred of a President. This is who you protect with  your ‘at any cost’  ideologue.

“In an e-mail to four other Guardian executives entered into evidence in the Pearls’ suit, company Vice President Tim Birely discussed how the company could “eliminate this entire block to get rid of the few dogs.”

.. and don’t think you can get away with the argument of “Well, you Democrats are in power now and we can’t do anything stop you.” It’s condescending, it’s insincere and it’s bullshit. Most insulting of all.. you know it, snicker and use it anyway.

20 years ago a friend of mine took a ride with a person he had just recently started hanging around. He didn’t know him too well but he seemed cool and they got along. That night the new guy told my friend he was going to rob a local mom & pop grocer for some extra cash. My friend wasn’t a violent person, he wasn’t a criminal, he wasn’t a bad person in any way… but he because he was 17 and stupid he didn’t speak up.

The new guy went into the store while my friend waited in the car, he could have left at that point but for whatever reason he didn’t. After a few minutes the new guy came running back out, jumped in the car and away they went. They never spoke of what went on inside the store and it wasn’t until the next morning when the police showed up at his parents house to arrest him that my friend found out that the store owner had been shot and killed by the new guy. My friend was tried and convicted as an accessory to the crime and is on death row awaiting his date with the executioner. Does he deserve to die for a crime he had no part in? Some would say yes he does, but then again.. they would also be the ones to tell Mr. Pearl to go out and get a job if he wants health care.

The real “Dog” here isn’t Mr. Pearl and it isn’t Chuck or any of the other poor souls who have paid their premiums each month only to have them canceled because they did not die quick enough. The real “dogs” are the insurance company who cares more about an enormous bottom line over the lives they are supposed to be protecting. You all fighting reform at all costs.. at any cost, this is the dog you have allowed into your bed by not saying anything even when you know what they are doing is not only wrong, dangerous and against humanity, but could possibly be murderous. Just like the saying “Lie down with dogs, get up with fleas”  this is on you whether you like it or not.

Lindsey Graham is currently finding that sad fact out. Arlen Specter and Colin Powell could have told him, but a conservative republican of Grahams stature, with his conservative record would have ignored their warnings just as the rest of the ideologues will ignore this liberal’s warning. When you go against the beast you create, the beast you’ve allowed to take over to fight your battle for you, when you go against it… you pay their price. It’s apropos that Graham is now the one to fight off charges that can not be defended because they have no basis in reality. “Fake Republican,” “RINO” (Republican in name only), a “traitor,” “disgrace,” “asshat,” “democrat in drag,” and a “wussypants, girly-man, half-a-sissy”.

The beast you fed,nurtured, appeased every step of the way while pretending “that’s  not what my belief..it’s theirs”.. and “Hey, you guys are in power not us”.. that beast is self-aware and is devouring your party.  That is who your next leaders will have no choice but to cater to. The metaphorically date with the executioner that you await for being an accessory to the crime, would be justice in and of itself if so many truly innocent people weren’t being punished along with you. Don’t believe there are ‘truly innocent’ people being punished? Well, I give you one final story

17-Pound, 4-Month-Old Baby

Denied Health Insurance

for Being Too Fat

Underwriters, the people who are in charge of assessing risk for insurance companies, have decided that baby Alex’s pre-existing condition — obesity — makes him a high-risk patient and have denied him coverage.

His parents were shocked.

“I could understand if we could control what he’s eating. But he’s 4 months old. He’s breast-feeding. We can’t put him on the Atkins diet or on a treadmill,” joked his frustrated father, Bernie Lange, a part-time news anchor at KKCO-TV in Grand Junction. “There is just something absurd about denying an infant.”


The beast you continue to actively support or just ignore because the end is justified by the means for you… denied a 4 month old, breastfed baby for the pre-existing condition of  obesity.

I hope you are happy with your creation.

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why a non-profit public option is important..

This was brought up on the MucheDumbre forum today in regards to a government involvement in healthcare..

Essentially, that is my problem with all of this. I already have a problem with the FDA and AMA being owned by drug companies, why make the problem bigger?

If this is how you feel, that private companies already have too many fingers in the political arena and are turning policy in their favor, then the only option for you is the public option.

As it stands now all healthcare options are  owned,regulated,price marked and everything else relating to  them by the for-profit health insurance companies. Your doctor doesn’t decide his fee, Cigna,Aetna,BCBS decide what and if they will pay him.It is the insurance company who decides what they will pay, who they will pay, where they will pay.. who can get their product and  who can keep their product even after paying for it for decades. Without a public option, the way it is now will look like the ‘better’ way in 5 years..

Think about it for  second… A not-for-profit public option that would be self-sufficient and rely on the premiums it collects, going from the Government to the healthcare provider(i.e.. doctor,clinic,hospital)  is  a direct line to the ones doing the service. Yet, this has been deemed evil,socialistic,freedom robbing and bad because it is the government who is collecting the money and giving it out to the providers…

The other alternative is that we subsidized[pay for] not just the >5% who would chose a public option but all 45 million uninsured American with a credit that comes from private and public funds{i.e. taxpayers} . The difference is  that the money goes directly to the insurance company where they take their 30% cut and then decide whether to pay the doctors/hospitals the rest. It is a mainline from your wallet into the wallets of the same types you say you are against, the private companies- NOT the doctors and hospitals proving your care.

Somehow the government  paying the insurance company with taxpayer’s money instead of the provider being paid with the fees that those in the option have paid for is the better option for some. How it’s  better or less socialist for the government to subsidize the insurance companies is something I haven’t had explained to me even though I keep asking,but let’s keep moving.

Not only will the government subsidize the insurance company, but without regulation or something in the market competing with them, the insurance companies can get their ‘asking price’ for any policy they offer, meaning they can start charging the government whatever they want for the healthcare the government is buying from them..while still retaining the right to decide how much they will reimburse the doctors,hospitals or if they even will reimburse them.

What is being asked for here to control this is the choice of a public option, for  less than 5% of the uninsured in the United States .   Less than 5% of those uninsured now, not 20% of the entire population, 50% all of the United States of America, but >5% of the 18% who are without insurance..

I’m not being a smart-ass.. but read that again before moving on…

“Let me be clear — it would only be an option for those who don’t have insurance,” he said.

“No one would be forced to choose it, and it would not impact those of you who already have insurance. In fact, based on Congressional Budget Office estimates,

we believe that less than 5 percent of Americans would

sign up.”-Obama health speech before congress

we’re talking millions of people yes,  but single digit millions.

The not-for-profit public  option will force these unregulated companies to atleast keep their fees reasonable. It won’t put them out of business, the creation of any reform will ensure 45 million more people buy their product. That’s not taking money away from them… that is a windfall of fat cash coming their direction.

The not-for-profit public option will force these companies to own up to their contracts and actually pay out more claims, because to deny someone coverage because of a preexisting condition will become illegal.  It will force them to become a better product than they are right now, because  right now the ‘free market’ is allowing them to have all the marbles whether those be taxpayers marbles or private marbles. It is allowing them to collect whatever amount of money they want while choosing when and who to pay it out to. You purchased your insurance plan to cover your medical costs, you didn’t  purchase it so they company you chose could have complete autonomy to do with your money as they saw fit and thus leaving you responsible for the doctor bill at the same time.

Again, read this again. You pay the insurance company to cover your health care costs.. if they deem your claim unworthy, you are still responsible for the payment  to the doctor/clinic or hospital who treated you. So now you have paid the insurance company to keep your money and the doctor to treat you. Seriously people, if you just want to send your money to someone while still being responsible for your bills, I’ll be glad to accept it instead.



To put it simply, there are only two choices here.. .We either pay the insurance companies to insure the uninsured and thus, paying their fee for doing this  or we pay the doctors directly to treat the uninsured. If you don’t like big Pharma being involved in the politics and decision making, then you can’t be against something that  takes big insurance out of the politics and decision making on people lives.

What is wrong with giving the overwhelming majority of the people a choice of what is out there?  That’s all, a choice.

I found a quote from Bill Moyers on another blog that said

“we should be treating health as a condition, not a commodity.”

I can’t imagine it being put into simpler terms.

If you are wondering just how much around the fingers of the insurance CEO’s the politicians have wrapped themselves, there are calls for ‘tort reform’.  This will in essence regulate how much money a lawyer can be paid for his services. Why are we so against providers of the actual services being reimbursed for their product and so much in favor of the companies who offer no other service than to hold our money and decide who or if they will pay with it. If the doctors and lawyers charge too much, isn’t one of the tenents of ‘free market capitalism’ that they will be weeded out as their competitors  offered the same for less?  Isn’t government imposing the will of   a select few companies, who service is solely to pay these doctors and lawyers the money you gave them, isn’t imposing those companies will over the will of the ones doing  the service you hired them for,  more detrimental to  the idea of Capitalism?

****UPDATE****

sometimes a good video says it all…




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Does this mean he failed?- Chrysler and others pay back TARP loan.

I’m sitting here refreshing Drudge and Cnn while simultaneously flipping through all the headline news shows… and no hoopla!

You’d think with months of screaming, ranting,crying, and those  tea-parties, someone would have mentioned that we are now  ‘less Socialistic’ …

If I could stomach listening to Boss Limbaugh, I would see if he was sweating and dancing to the tune of Beck’s  “Loser”. Since President Obama has most certainly failed in his attempt to turn the USA into the county of the New National Socialist Party,  with his ingenious take over of the banks and car companies.. whilst driving the rest of the country into the shittier by stealing our wealth and spreading it amongst the elites…

but nope, nothing.. instead I get the news from my favorite ‘Mo

Chrysler Financial repays $1.5

bln US gov’t loans

DETROIT, July 14 (Reuters) – Chrysler Financial said on Tuesday it has paid off $1.5 billion in loans it had received from the U.S. Department of Treasury in January to fund vehicle loans and incentive programs for Chrysler consumers…

BB&T repays TARP money

Seven months after it accepted $3.1 billion from the federal government, BB&T Corp. – a longtime opponent of big government – repaid the money with interest Wednesday.

$93 million in profit was made off that investment.. Not too shabby in my opinion.

FirstMerit repaying TARP

loan this month

An Ohio bank with more than a dozen branches in the region announced plans this week to repay the federal government’s more than $125 million investment under the Capital Purchase Program.

In fact, if it had not been for the ‘mo..and the 2nd story I never would have known that American Express, Bank of New York Mellon, Capital One, Goldman Sachs, JPMorgan Chase, Morgan Stanley, Northern Trust, State Street and U.S. Bancorp also announced that they had repaid their loans from TARP, or the Troubled Asset Relief Program.

I should be surprised that I haven’t heard anything from the biased and untrue liberal MSM.. right?

Then again, if the media really was a ‘liberal slanted monster’ this would be on every headline news crawler and program just to rub it in to the faces of the Chicken Littles who were screaming that we were being taken over by our government…ironically while ignoring that were already  ‘taken over’ by our government..

I guess they are moving on to make more accusation about the Democrats evil attempt to bring socialism to the shores of the country by giving every baby born, house cleaner working, and any one else who likes to choose things for themselves instead of having someone else choose for them, that deplorable option of…. Health Care. So like everything else we’ve seen ignored in the last week.. Chrysler’s repayment will go unnoticed because it’s easier to keep throwing the kitchen sink of accusations than it is to actually give it a minute to see if it just might work.. It’s more patriotic to wish failure for the Government attempt to stop the slide into another depression era than it is to say “OK, that was my bad.. Carry on”.

Anyway, thank you for the $93 million in profit BB&T.. it was a pleasure doing business with you.. Come again soon.

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Forget the flying car we were promised and just give us healthcare!

Why do we need health care reform?

Robin Beaton found out last June she had an aggressive form of breast cancer and needed surgery — immediately.

Her insurance carrier precertified her for a double mastectomy and hospital stay. But three days before the operation, the insurance company called and told her they had red-flagged her chart and she would not be able to have her surgery.

The reason? In May 2008, Beaton had visited a dermatologist for acne. A word written on her chart was interpreted to mean precancerous, so the insurance company decided to launch an investigation into her medical history.

Even after the dermatologist talked with the insurance company, telling them ‘This is a misunderstanding. This is not precancerous. All she has is acne.”and begging them not to cancel her, they still rescinded  her coverage.

What kind of country allows this to go on day after day after day.  I won’t ask why Charles Manson has a dental plan while 45 millions American’s can’t even afford to go to the doctor,  that would be ignored like it always is. So I am phrasing it in a monetary way since money seems to be the only thing some people understand.

Why do criminals have better health coverage than the people who actually pay for coverage?

Why do the people who can make a difference think that this couldn’t be their daughter’s story? Is it because they’ve got more money than most small countries so it doesn’t matter if their insurance covers them or not?

It must be.

Until something like this happens to the wife, daughter, grandson or someone in the immediate family of those who can actually change this arcane system we call ‘health care’, these kinds of stories will grow.


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