Archive for the ‘Health and wellness’ Category

Fracking Healthcare

       Sounds like something you have been hearing about in the oil industry, but no, I am using it as an adjective, not a noun. I would like to use a few more descriptors, but as I plan to post to Facebook via my blog, I will hold my pen, as it were!

I will not name my health care provider, but they are a major carrier, and well known. They are being sued as I write this for refusing health care to teens that were on their parent’s policies, but because they needed high cost remedies to save their lives, the procedure was not approved. One such teenager, a young girl, needed brain surgery to save her life and the procedure was refused. The Family had to sue the company through the state they lived in, the girl got the operation and is doing fine. This brought this company’s actions to light, so that state is now suing on behalf of dozens of teenagers the health company had basically said you cost too much, go away and die.         This is the same company I am stuck with.

My rates have climbed 300% since I started having to actually use my insurance. I am afraid to shop for more reasonable rates because of pre-existing conditions. I know the new law President Obama has proposed is supposed to protect me, but if Romney is successful I might find myself uninsurable.

I just watched the news, and another insurance company, one of the largest, if the not the largest, is being sued by doctors for endangering lives and for refusing to pay doctors who send patients to specialists they do not approve of. These are patients who pay more for PPO type insurance just so they have the right to select their own doctors, but the insurance company gets around this by threatening and by non-payment to doctors who allow patients this freedom, just another crass move to maximize profits and minimize care.

I brought this up originally because I see my doctors withholding care and tests I know I should be getting because they do not want to have to deal with an insurance company they think will not pay. My group has a clause that holds me responsible for any care I get, regardless of whether my doctor thinks it is absolutely necessary in case the insurance company refuses to pay for it. In most cases this ruling from the insurance company comes after the procedure or activity has already been accomplished.

An example, I have not had what technically is a heart attack, but because of diabetes, I plugged up an artery between checkups and caught my doctors unaware. They went in to install a stent, but ran into calcified blockage, so it would be dangerous to try and force through, I should have had a bypass at this point, but insurance did not allow because they believed I could survive, however a small section of heart tissue died from lack of oxygen as a result, I have rehabbed well, but on my own. I asked for and my Doctor recommended independently that I receive heart rehab services; but I did not get this service. I have requested it twice; through two different doctors but no luck. I have to schedule my own yearly checkups, and then I have to research my diabetes, cholesterol, etc., and specifically ask that blood panels be done to make sure the meds I take are actually working. I had to raise a fuss to get eye exams to make sure my diabetes was not affecting my eyesight, which I get every year, but I have to ask for it every time. So basically, I have to keep up on my own conditions and lobby for preventative measures, or I would not get them. I still do get but the bare minimum, basically they are disappointed I did not die so they could save a buck or two. You are saying to yourself, well he is being a little overdramatic, and I am saying, bullshit! I am just being realistic.

Just in the last 20 years medicine has changed dramatically. No procedures are done in the doctor’s office anymore, no matter how small. I used to have the odd mole removed in a painless two-minute procedure by my doctor in the office. I now have to go see a specialist, which costs me an extra $100.00 deductible for the appointment, then another $100.00 deductible to come back and remove it, or them, then another $100,00 for the follow-up visit. They charge extra because it is a specialist, same for an emergency room visit. If they did it in the office, my regular deductible is $25.00. The reason for this is insurance again, the malpractice kind. It is the reason your GP will not do anything but jam things down your throat, in your ear, or up your ass and take a look around, or feel around as the case may be, they are afraid to get sued. This also drives up the cost, so say thank you to lawyers for a lot of your inferior healthcare. My healthcare costs me more per month than my house payment, and because they only made record profits this year, plan another rate increase this year. $%#$&$&#$^, and so on and do forth!

In closing I know that I am not telling a lot of you anything you did not already know. What you may not realize is who decides what kind of medical care you get, and what new advances in care and cures ever see the light of day. People in medicine and energy who come up with programs that may produce cures or huge energy savings seem to disappear, or are harassed out of existence by govt. agencies. It is the same people who met in secret back in the day and created the Federal Reserve, then later on the World Bank, the World Health Organization, and any other organization you can think of that starts with “World”! Oh, bye the way, there is nothing Federal about the Federal Reserve, it is a private banking company, it just has the authority to print money whenever the Federal government needs it. It answers to no one at any level of government. I have a blog coming that delves into this and other phenomenon, but for another time. But be aware that every penny you borrow, what medical care you get, what foods are available and by who, how your government acts, is all controlled by an elite few, and none of them are in politics. Actually they are to politics what a fighter pilot would be to kite flyer. With that I leave you until another day!

Dear state Senator,
I believe there are war crimes being committed against citizens of the United States, and some of them by entities right here in the USA! I will give you an example of one such crime.
Civilians who work for companies in war zones in support of U.S. troops are guaranteed under the Defense Base Act of 1941 to be supplied medical and disability insurance. This supposes that the insurance company selected and paid premiums to will actually perform said services. This is not the case, and it is not the case for almost all Civilian casualties who work or worked for private contractors in combat areas in support of our troops. Case in point, a Spokane area woman who worked for what was then called Blackwater as a helicopter mechanic was wounded with other soldiers and civilian workers when a mortar exploded just yards from where she was standing. She suffers from traumatic brain injury; the therapy which was recommended by eight different physicians and psychiatrists was denied her. The denial was based on one man’s opinion, a Doctor who was selected by the insurance company, Chartis WorldSource, he decided she was experiencing all of this pain, tremors, migraines, seizures, memory loss, and problems with her balance all in her head and that there was no physical trauma! He made this decision without ever examining this poor women. You and I both know he came to the conclusion he was paid to come to. A nurse was also hired by Chartis to go and evaluate the patient. She met with the patient six times; her report was the same as the other eight professionals before her, which was that this condition was from physical damage, not a mental or psychiatric one. She was terminated and her report was not used! From what I have been able to determine, this kind of rampant disregard is the status quo, not the isolated incident.
The War Hazards Compensation Act reimburses the employer or insurer for injuries or death to a worker caused by an act of war. The federal government has paid more to insurers for expenses than they have paid out in compensation under this act. So not do they only get paid back for their expenses, insurance companies have collected 1.5 billion in premiums while only paying out 900 million in compensation and expenses combined. This is according to a congressional investigation that took place in 2009. So the government is aware of what is happening to these people, aware of the federal laws and Acts which pertain to this dilemma. So my question is, do you not think that this represents a war crime perpetrated on a citizen of the these United States, and furthermore, does your inaction to force these companies to adhere to the letter as well as the intent of what they were paid to do makes you complicit. The profits are staggering, and all paid by you and me, so an even greater crime in my book, a crime you are partially responsible for as the person who is supposed to be looking out for me and those of us who cannot fight big companies or big government, which is a description of your job.
I would appreciate a response detailing just what you have done or are going to do to help this woman and those like her. I would appreciate a real response, not the canned variety I have gotten in the past. This is something you need to put your hands on, it is shameful. It is exactly the same tactic the Veterans Administration and the military tried when this type of injury first started to be prevalent among our fighting men and women. The only reason they finally changed directions and started to give some help was because families hocked their futures to get private care which in almost all cases vastly improved the lives of the individuals involved and shamed the Veterans Administration to stop telling the lie and start actually helping the people they were supposedly sworn to help.

Information from: The Spokesman-Review, http://www.spokesman.com
Also opinions formulated in my own mind, and in any mind that has an honest respect for the truth!

Respectfully,

John Love