#US Seniors Health Insurance

[tessansgp]

Avoid THIS Mistake to Write More Policies! [Video]

[lookingforcactus]

A big cost and concern for many seniors in the U.S. is the price of prescription drugs and other healthcare expenses—and this year, thanks to The Inflation Reduction Act, their costs may go down dramatically, especially for patients fighting cancer or heart disease.

I learned about the new benefits because my ‘Medicare birthday’ is coming up in a couple months when I turn 65. I was shocked that there were so many positive changes being made, which I never heard about on the news.

Thousands of Americans on Medicare have been paying more than $14,000 a year for blood cancer drugs, more than $10,000 a year for ovarian cancer drugs, and more than $9,000 a year for breast cancer drugs, for instance.

That all changed beginning in 2023, after the Biden administration capped out-of-pocket prescriptions at $3,500—no matter what drugs were needed. And this year, in 2024, the cap for all Medicare out-of-pocket prescriptions went down to a maximum of $2,000.

“The American people won, and Big Pharma lost,” said President Biden in September 2022, after the legislation passed. “It’s going to be a godsend to many families.”

Another crucial medical necessity, the shingles vaccine, which many seniors skip because of the cost, is now free. Shingles is a painful rash with blisters, that can be followed by chronic pain, and other complications, for which there is no cure

In 2022, more than 2 million seniors paid between $100 and $200 for that vaccine, but starting last year, Medicare prescription drug plans dropped the cost for shots down to zero.

Another victory for consumers over Big Pharma affects anyone of any age who struggles with diabetes. The cost of life-saving insulin was capped at $35 a month [for people on Medicare].

Medicare is also lowering the costs of the premium for Part B—which covers outpatient visits to your doctors. 15 million Americans will save an average of $800 per year on health insurance costs, according to the US Department of Health and Human Services.

Last year, for the first time in history, Medicare began using the leverage power of its large patient pool to negotiate fair prices for drugs. Medicare is no longer accepting whatever drug prices that pharmaceutical companies demand.

Negotiations began on ten of the most widely used and expensive drugs.

Among the ten drugs selected for Medicare drug price negotiation were Eliquis, used by 3.7 million Americans and Jardiance and Xarelto, each used by over a million people. The ten drugs account for the highest total spending in Medicare Part D prescription plans...

How are all these cost-savings being paid for?

The government is able to pay for these benefits by making sure the biggest corporations in America are paying their fair share of federal taxes.

In 2020, for instance, dozens of American companies on the Fortune 500 list who made $40 billion in profit paid zero in federal taxes.

Starting in 2023, U.S. corporations are required to pay a minimum corporate tax of 15 percent. The Inflation Reduction Act created the CAMT, which imposed the 15% minimum tax on the adjusted financial statement income of any corporation with average income that exceeds $1 billion.

For years, Americans have decried the rising costs of health care—but in the last three years, there are plenty of positive developments.

-via Good News Network, February 25, 2024

[todaynewsonline]

Best Insurance for Travel to Europe

Best Insurance for Travel to Europe:- Traveling to Europe can be an exciting and unforgettable experience. From historical landmarks to picturesque landscapes, Europe offers a diverse range of cultures and adventures for travelers to explore. However, no matter how meticulously you plan your trip, unexpected situations can arise, which is why having the best insurance for travel to Europe is…

[batboyblog]

Things the Biden-Harris Administration Did This Week #31

August 9-16 2024

President Biden and Vice-President Harris announced together the successful conclusion of the first negotiations between Medicare and pharmaceutical companies over drug prices. For years Medicare was not allow to directly negotiate princes with drug companies leaving seniors to pay high prices. It has been a Democratic goal for many years to change this. President Biden noted he first introduced a bill to allow these negotiations as a Senator back in 1973. Thanks to Inflation Reduction Act, passed with no Republican support using Vice-President Harris' tie breaking vote, this long time Democratic goal is now a reality. Savings on these first ten drugs are between 38% and 79% and will collectively save seniors $1.8 billion dollars in out of pocket costs. This comes on top of the Biden-Harris Administration already having capped the price of insulin for Medicare's 3.5 million diabetics at $35 a month, as well as the Administration's plan to cap Medicare out of pocket drug costs at $2,000 a year starting January 2025.

President Biden and Vice President Harris have launched a wide ranging all of government effort to crack down on companies wasting customers time with excessive paperwork, hold times, and robots rather than real people. Some of the actions from the "Time is Money" effort include: The FTC and FCC putting forward rules that require companies to make canceling a subscription or service as easy as signing up for it. The Department of Transportation has required automatic refunds for canceled flights. The CFPB is working on rules to require companies to have to allow customers to speak to a real person with just one button click ending endless "doom loops" of recored messages. The CFPB is also working on rules around chatbots, particularly their use from banks. The FTC is working on rules to ban companies from posting fake reviews, suppressing honest negative reviews, or paying for  positive reviews. HHS and the Department of Labor are taking steps to require insurance companies to allow health claims to be submitted online. All these actions come on top of the Biden Administration's efforts to get rid of junk fees.

President Biden and First Lady Jill Biden announced further funding as part of the President's Cancer Moonshot. The Cancer Moonshot was launched by then Vice-President Biden in 2016 in the aftermath of his son Beau Biden's death from brain cancer in late 2015. It was scrapped by Trump as political retaliation against the Obama-Biden Administration. Revived by President Biden in 2022 it has the goal of cutting the number of cancer deaths in half over the next 25 years, saving 4 million lives. Part of the Moonshot is Advanced Research Projects Agency for Health (ARPA-H), grants to help develop cutting edge technology to prevent, detect, and treat cancer. The President and First Lady announced $150 million in ARPA-H grants this week focused on more successful cancer surgeries. With grants to Tulane, Rice, Johns Hopkins, and Dartmouth, among others, they'll help fund imaging and microscope technology that will allow surgeons to more successfully determine if all cancer has been remove, as well as medical imaging focused on preventing damage to healthy tissues during surgeries.

Vice-President Harris announced a 4-year plan to lower housing costs. The Vice-President plans on offering $25,000 to first time home buyers in down-payment support. It's believed this will help support 1 million first time buyers a year. She also called for the building of 3 million more housing units, and a $40 billion innovation fund to spur innovative housing construction. This adds to President Biden's call for a $10,000 tax credit for first time buyers and calls by the President to punish landlords who raise the rent by over 5%.

President Biden Designates the site of the 1908 Springfield Race Riot a National Monument. The two day riot in Illinois capital took place just blocks away from Abraham Lincoln's Springfield home. In August 1908, 17 people die, including a black infant, and 2,000 black refugees were forced to flee the city. As a direct result of the riot, black community leaders and white allies met a few months later in New York and founded the NAACP. The new National Monument will seek to preserve the history and educate the public both on the horrible race riot as well as the foundation of the NAACP. This is the second time President Biden has used his authority to set up a National Monument protecting black history, after setting up the Emmett Till and Mamie Till-Mobley National Monument on Emmett Till's 82nd birthday July 25th 2023.

The Department of The Interior announced $775 million to help cap and clean up orphaned oil and gas wells. The money will help cap wells in 21 states. The Biden-Harris Administration has allocated $4.7 billion to plug orphaned wells, a billion of which has already been distributed. More than 8,200 such wells have been capped since the Bipartisan Infrastructure Law passed in 2022. Orphaned wells leak toxins into communities and are leaking the super greenhouse gas methane. Plugging them will not only improve the health of nearby communities but help fight climate change on a global level.

Vice-President Harris announced plans to ban price-gouging in the food and grocery industries. This would be a first ever federal ban on price gouging and Harris called for clear "rules of the road" on price rises in food, and strong penalties from the FTC for those who break them. This is in line with President Biden's launching of a federal Strike Force on Unfair and Illegal Pricing in March, and Democratic Senator Bob Casey's bill to ban "shrinkflation". In response to this pressure from Democrats on price gouging and after aggressive questions by Senator Casey and Senator Elizabeth Warren, the supermarket giant Kroger proposed dropping prices by a billion dollars

[kcinpa]

TL;DR Project 2025

Project 2025 has crossed my dash several times, so maybe tumblr is already informed about the hellish 900-page takeover plan if Trump wins office again. But even the articles covering Project 2025 can be a LOT of reading. So I'm trying to get it down to simple bulleted lists…

Navigator Research (a progressive polling outfit) found that 7 in 10 Americans are unfamiliar with Project 2025. But the more they learn about it, the more they don't like or want it. When asked about a series of policy plans taken directly from Project 2025, the bipartisan survey group responded most negatively to the following:

Allowing employers to stop paying hourly workers overtime

Allowing the government to monitor people’s pregnancies to potentially prosecute them if they miscarry

Removing health care protections for people with pre-existing conditions

Eliminating the National Weather Service, which is currently responsible for preparing for extreme weather events like heat waves, floods, and wildfires

Eliminating the Head Start program, ending preschool education for the children of low-income families

Putting a new tax on health insurance for millions of people who get insurance through their employer

Banning Medicare from negotiating for lower prescription drug costs and eliminating the $35 monthly cap on the price of insulin for seniors

Cutting Social Security benefits by raising the retirement age

Allowing employers to deny workers access to birth control

Laurie Garrett looked at the roughly 50 pages within Project 2025 that deal with Health and Human Services (HHS) and other health agencies, and summarized them on Twitter/X in a series of replies. I've shortened even more here:

HHS must "respect for the sacred rights of conscience" for Federal workers & healthcare providers and workers broadly who object to abortions, contraception, gender reassignment & other issues - ie. allow them to deny services based on religious beliefs

HHS should promote "stable and flourishing married families."

Require all welfare programs to "promote father involvement" – or terminate their funding for mothers and children.

Prioritize adoptions via faith-based organizations.

Redefine sex, eliminating all forms of gender "confusion" regarding identity and orientation.

Eliminate the Head Start program for children, entirely

Ban all funding of Planned Parenthood

Ban birth control services that are "egregious attacks on many Americans' religious & moral beliefs"

Deny pregnancy termination pills, "mail-order abortions."

Eliminate Office of Refugee Resettlement; move all refugee matters to the Department of Homeland Security

Healthcare should be "market-based"

Ban all mask and vaccine requirements.

Closely regulate the NIH w/citizen ethics panels, ensuring that no research involves fetal tissue, leads to development of new forms of Abortions or brings profits to the researchers.

Redirect the Office of Global Affairs to promoting "moral conscience" & full compliance w/the Mexico City policy

The CDC should have no role in medical policies.

"Because liberal states have now become sanctuaries for abortion tourism," HHS should use every available tool, including the cutting of funds, to ensure that every state reports exactly how many abortions take place within its borders, at what gestational age of the child, for what reason, the mother’s state of residence & by what method.

I'm still looking for a good short summary of the environmental horrors that Project 2025 would bring if it comes to fruition…

[teaboot]

Would you say the work of a kitten is worth it? I’ll probably just get one that’s a bit grown up anyway (if I ever get a cat at all, here’s hoping!) but idk I’m curious I guess

I mean kind of yes kind of no? I think it depends on what you're looking for

A 20 year commitment is kind of terrifying, and I think if I'd had a full choice I'd have found an adult cat that was already chill with living solo with me, but now that I have my boy I'd choose him 100%

Benefits of a kitten are you can decide early what you want it to be used to, how to react to startling sounds, how to walk on a leash or wear a harness or ride on your shoulders or on your backpack, you can get them dewormed and vaccinated early to prevent later issues, get them into good habits before they become difficult to change. They're also easier to register for insurance.

In an adult cat they already have an established personality and preferred routine so you can know what you're getting into, and especially a senior cat it's still a rewarding and loving experience even with the health concerns along the way.

This is my first time fully raising and training an indoor cat by myself, but so far it has been 1. Exhausting and 2. An incredible bonding experience.

End of rhe day, I dunno, I've never really been disappointed with any of my cats. Once you love them I've found the work doesn't matter

[realcleverscience]

More evidence that republican reagonimics is literally killing us.

highlights:

In 2021, 1.1 million deaths would have been averted in the United States if the US had mortality rates similar to other wealthy nations,..

"Think of people you know who have passed away before reaching age 65. Statistically, half of them would still be alive if the US had the mortality rates of our peers. The US is experiencing a crisis of early death that is unique among wealthy nations."...

The US had lower mortality rates than peer countries during World War II and its aftermath. During the 1960's and 1970's, the US had mortality rates similar to other wealthy nations, but the number of Missing Americans began to increase year by year starting in the 1980's, reaching 622,534 annual excess US deaths by 2019. Deaths then spiked to 1,009,467 in 2020 and 1,090,103 in 2021 during the pandemic. From 1980 to 2021, there were a total of 13.1 million Missing Americans.

The researchers emphasize that this mortality crisis is a multiracial phenomenon and is not specific to minoritized groups. Black and Native Americans are overrepresented in these measures... Still, two-thirds of the Missing Americans are White, a result of the larger population of White Americans, their older age distribution, and death rates that are significantly higher than other wealthy nations...

They connect the large excess mortality burden to the failure of US policy to adequately address major public health issues, including the opioid epidemic, gun violence, environmental pollution, economic inequality, food insecurity, and workplace safety. The COVID-19 pandemic exacerbated many of these issues, particularly among lower-income and minority groups, and now that most of the safety-net policies created during COVID-19 have expired, vulnerable groups have lost vital support.

"We waste hundreds of billions each year on health insurers' profits and paperwork, while tens of millions can't afford medical care, healthy food, or a decent place to live," says study senior author Dr. Steffie Woolhandler, Distinguished Professor at the School of Urban Public Health at Hunter College, City University of New York. "Americans die younger than their counterparts elsewhere because when corporate profits conflict with health, our politicians side with the corporations."...

[simply-ivanka]

Who’s Afraid of Project 2025?

Democrats run against a think-tank paper that Trump disavows. Why?

Wall Street Journal

July 29, 2024

By The Editorial Board

Americans are learning more about Kamala Harris, as Democrats rush to anoint the Vice President’s candidacy after throwing President Biden overboard. Ms. Harris wasted no time saying she’s going to run hard against a policy paper that Donald Trump has disavowed—the supposedly nefarious agenda known as Project 2025. But who’s afraid of a think-tank white paper?

“I will do everything in my power to unite the Democratic Party—and unite our nation—to defeat Donald Trump and his extreme Project 2025 agenda,” Ms. Harris tweeted shortly after President Biden dropped out. She’s picking up this ball from Mr. Biden, and her campaign website claims that Project 2025 would “strip away our freedoms” and “abolish checks and balances.”

***

Sounds terrible, but is it? The 922-page document doesn’t lack for modesty, as a wish list of policy reforms that would touch every part of government from the Justice Department to the Corporation for Public Broadcasting. The project is led by the Heritage Foundation and melds the work of some 400 scholars and analysts from an eclectic mix of center-right groups. The project is also assembling a Rolodex of those who might work in a Trump Administration.

Most of the Democratic panic-mongering has focused on the project’s aim to rein in the administrative state. That includes civil service reform that would make it easier to remove some government workers, and potentially revisiting the independent status of agencies like the Federal Trade Commission.

The latter isn’t going to happen, but getting firmer presidential control over the bureaucracy would improve accountability. The federal government has become so vast that Presidents have difficulty even knowing what is going on in the executive branch. Americans don’t want to be ruled by a permanent governing class that doesn’t answer to voters.

Some items on this menu are also standard conservative fare. The document calls for an 18% corporate tax rate (now 21%), describing that levy as “the most damaging tax” in the U.S. system that falls heavily on workers. A mountain of economic literature backs that up. The blueprint suggests tying more welfare programs with work; de-regulating health insurance markets; expanding Medicare Advantage plans that seniors like; ending sugar subsidies; revving up U.S. energy production. That all sounds good to us.

Democrats are suggesting the project would gut Social Security, though in fact it bows to Mr. Trump’s preference not to touch the retirement program, which is headed for bankruptcy without reform. No project can profess to care about the rising national debt, as Heritage does, without fixing a program that was 22% of the federal budget in 2023.

At times the paper takes no position. For example: The blueprint features competing essays on trade policy. This is a tacit admission that for all the GOP’s ideological confusion on economics, many conservatives still understand that Mr. Trump’s 10% tariff is a terrible idea.

As for the politics, Mr. Trump recently said online that he knew “nothing about Project 2025. I have no idea who is behind it.” That may be true. The chance that Mr. Trump has read any of it is remote to nil, and he doesn’t want to be tied to anyone’s ideas since he prizes maximum ideological flexibility.

The document mentions abortion nearly 200 times, but Mr. Trump wants to neutralize that issue. The project’s chief sponsor, Heritage president Kevin Roberts, also gave opponents a sword when he boasted of “a second American revolution” that would be peaceful “if the left allows it to be.” This won’t help Mr. Trump with the swing voters he needs to win re-election.

By our lights the project’s cultural overtones are also too dark and the agenda gives too little spotlight to the economic freedom and strong national defense that defined the think tank’s influence on Ronald Reagan in 1980.

***

But the left’s campaign against Project 2025 is reaching absurd decibels. You’d think Mr. Trump is a political mastermind hiding the secret plans he’ll implement with an army of shock troops marching in lockstep. If his first term is any guide, and it is the best we have, Mr. Trump will govern as a make-it-up-as-he-goes tactician rather than a strategist with a coherent policy guide. He’ll dodge and weave based on the news cycle and often based on whoever talks to him last.

Not much of the Project 2025 agenda is likely to happen, even if Republicans take the House and Senate. Democrats will block legislation with a filibuster. The bureaucracy will leak with abandon and oppose even the most minor reforms to the civil service. The press will revert to full resistance mode, and Mr. Trump’s staff will trip over their own ambitions.

Democrats know this, which is why they fear Trump II less than they claim. They’re targeting Project 2025 to distract from their own failed and unpopular policies.

[gingiesworld]

Family is Forever

Chapter Ten

Wanda Maximoff x GN! Reader

Warnings: Angst. Fluff

Taglist: @fxckmiup @ginnsbaker @gb12d @angrywhisperslove @louxbloom @casquinhaa @natashamaximoff-69 @wizardofstories @canvascoloredin @wandanats-goodgirl @forthelesbians @the-ox-fan20 @marvelogic

18+ MINORS DNI

Wanda sat with the stick in her hands, looking over the two lines, willing for the other to disappear. Both Y/N and Wanda are still seniors in college and they are beyond unprepared to be parents.

"What's wrong?" Nat questioned as she entered the room, drying her hair.

"I'm pregnant." Wanda whispered, fear evident in her eyes. "And I'm scared."

"It will be fine Wanda." Nat tried to reassure her. "Y/N will be there with you, every step of the way."

"How do you know that!" Wanda asked her. "We never really discussed about kids, or marriage even."

"Do you love them?" Nat questioned her as Wanda stopped pacing.

"With everything I am." Wanda told her. "They are the one person who I see my future with."

"And I know they feel the exact same way Wanda." Nat told her tenderly. "I have seen the way they look at you. The amount of love they have in their heart just for you." She wrapped her arms around her best friend. "And I know you will be ok. Y/N will never leave you and I am sure they will be happy about this."

Wanda hoped that Nat was right, but she never expected Y/N to get out a pad and a calculator, muttering estimations of bills and other things.

"Y/N?" Wanda tried as Y/N rubbed their brow, the crinkles on their forehead as they soon looked up at her.

"I don't." They spoke as Wanda approached them. "I guess I can leave college and get a job. Put you on my health insurance."

"I'm still on my parents." Wanda stated as Y/N shook their head no.

"The hospital bills are going to be a lot Wanda, I still have my inheritance and trust fund to help pay for a better premium." They told her as she moved to sit on their lap, their hands instantly wrapping around her. "I don't want your parents to spend all of their money on these appointments and then the baby will also go on the premium when it's born." They looked up at Wanda as she gazed at them. "We will be fine Wanda, the first year or so may be a little rocky but we will get through it."

"We will." Wanda whispered. "And we will finish college. We have a few months left and the baby won't be due until around Halloween."

"We will be fine." They kissed her tenderly before gazing in her green irises. "Marry me."

"What?" Wanda laughed which soon died down as she noticed their serious expression. "You can't be serious?"

"I am serious." They told her. "I want to be able to call you my wife, besides you are the mother of my baby. So marry me."

"Y/N." Wanda whispered as her eyes stung with unshed tears.

"I love you Wanda, I am so in love with you and I know I want this. Us." They rambled. "I know this isn't exactly the most orthodox proposal but I know I want this. I want all of this." Y/N soon pushed her gently from their lap, Wanda watched as they looked through the small box in their closet. "This was my mom's ring. My dad proposed to her with it and I always admired it. I know this may not be the one you want but it will be a place holder until I can get you a new one."

"This one is perfect Y/N." Wanda beamed as Y/N took her left hand. "I will cherish it for the rest of our lives."

Wanda sat beside Y/N, it had been a couple of days and they still hadn't woke. Wanda played with her wedding and the engagement ring as her eyes never left them.

"You know your dad was furious when you told us about the pregnancy." Iryna told Wanda as she handed her daughter a coffee. "He wanted to kill them for getting his baby pregnant."

"I knew it." Wanda told her. "He seemed like his head was going to explode but you kept him at bay."

"Well, we were in the same situation when we were having you and your brother." Iryna told her. "I guess he never wanted to see you go through the struggles we did but Y/N made sure you were all set."

"They did." Wanda whispered as she wiped her eyes. "I just, I guess I lost sight of all of the sacrifices they made for our little family."

"They did." Iryna nodded. "Even when they came to us, they wanted our help in opening other accounts, transferring a majority of their inheritance to an account for you."

"What? I thought they were paying for the life insurance with that." Wanda questioned as Iryna nodded.

"But they got a few salary raises over the years and they wanted to buy the house for you and the boys. They wanted to give you an opportunity to follow your dream." She told her. "They were going to tell you on your birthday but everything blew out of proportion with the divorce and everything."

"I don't want a divorce." Wanda whispered as she glanced back at Y/N. "I don't want them to live in a different apartment. I just don't want to be apart from them any longer than we have."

"That's ok." She smiled. "When they wake, tell them. Tell them everything."

"I will." Wanda nodded as she rested her head on her mom's shoulder.

"The twins have been badgering your dad and Pietro about seeing Y/N." Iryna told her.

"I'm sorry I never told them." Wanda whispered as Iryna shook her head. "I just didn't want to leave them. I didn't want something to happen while I am not here."

"It's ok." She reassured her. "Pietro and your dad were there for them."

"Maybe tomorrow they can come for a while." Wanda confirmed. "It may be nice for them to hear the boys voices."

"It will." Iryna nodded in agreement. The next day rolled around, the twins had barely slept after recieving the news of their O'pa.

Pietro led them into the room, where Wanda remained as she waited for them to wake up. As soon as Billy saw them in the bed, the wires and machines attached to them.

"Hey, they're going to be ok." Pietro reassured him. "They're just sleeping while their body heals."

"Come on." Wanda held her arms open for him, Billy moved reluctantly before sitting on Wanda's lap. Hugging her tightly as they reluctantly looked at Y/N.

"I never wanted them to get hurt." Billy whispered as Wanda kissed his head.

"No one wanted this Billy." Wanda spoke softly. "But unfortunate circumstances happen and they are in the best place." Wanda told the twins. "Maybe tell them about what they have missed, what you have done in school."

Tommy was the one who started to talk about everything and anything as Wanda watched him with a smirk on her face. Billy sat with his head in Wanda's neck as he listened to him.

"Please wake up." Tommy whispered as he noticed he wasn't getting any form of reaction from him. "We can't lose you. We need you here." Wanda gestured for her brother to take them.

"Let's go and get a McDonalds." He told the two who only nodded as Wanda mouthed a thank you. "Do you want me to send you something here?" He asked her as the twins grabbed their coats.

"I'm fine, thank you." She told him softly before she kissed the twins heads before Pietro pulled her in for a tight embrace, kissing her temple.

"They will wake up." He told her firmly. "Y/N would never truly leave you." Wanda smiled as he led the twins out of the room. Sighing as she sat in the seat she had claimed as her own. Taking their hand as she looked up at their face.

"Tommy is right." She whispered as a tear escaped. "We need you to wake up. I need you to wake up Y/N. I want to see that goofy smile on your face. I just." She sighed as she kept her eyes on them, watching for any sign. "I love you Y/N and I am so fucking stupid." She rested her head on the bed beside them as she let her tears fall,

"I love you." They spoke hoarsely. "More than you will ever know."

"Y/N?" Wanda's head snapped up to see Y/N staring back into her eyes. "Oh my god." She gasped as she caressed their face. "I need a doctor." She whispered as she pressed the emergency button. The doctor soon racing inside to do their checks before leaving the two alone. "I'm so happy right now." She whispered as she ran her hand through their hair.

"I'm sorry." They whispered as Wanda looked at them confused. "I was trying to get there and everything just happened so fast."

"It's ok." Wanda told them. "You're alive and that is all that matters." She kissed their lips tenderly, lightly cupping their cheek as she pulled away. "I don't want us to be apart. Not anymore."

"I never wanted to be apart from you or the boys." They confessed. "I hated it. Being in that apartment, I just couldn't sleep or eat knowing that the one person who was my whole future was no longer mine."

"I will always be yours Y/N." She whispered as she smiled tenderly. "Always."

[tessansgp]

Episode 55 – BEWARE These 4 Types Of Final Expense Insurance Policies! [Video]

[turbulentscrawl]

Modern AU: Norton Campbell

You've heard of modern reader? Well now it's time for Modern canon!

- Previously, he worked in the oil industry, but a nasty accident he doesn’t speak about has left him with his fair share of burn scars. Norton now works as an independent contractor, known around town as a do-it-all type of handyman. He rarely works with or for group projects, preferring to be hired directly by property owners for the work they need done. He’s his own boss, and he makes his own schedule, but he’s a workaholic.

- He was raised by his uncle Benny after his parents died when he was still very young—his mother shortly after childbirth, due to complications, and his father in a work-related accident. Benny’s health deteriorated fast, though, and as soon as he was legally able Norton picked up a part-time job to help pay the bills and build a college fund. (Or several, more like, and he was known to bounce around for better pay.)

-Some time in his senior year of high school, he discovered that Benny was keeping secrets; Benny had not only convinced his father to stay in the oil industry after he was born, but wasted and gambled away all the life insurance money from his death. Enraged and betrayed, Norton dropped out of school and left. He drove as far away as he could with the little money he had, and then lived out of his truck for a while. Eventually, he made enough money to rent a shitty little motel room by the week, and then a shitty little apartment.

-After leaving, he at first went into the oil industry like his old man and Benny had been—it was something he was familiar enough with and hard labor paid better than being a busboy again. But after a few years there was an accident which left him with several burn scars. He was left in pain for a long time, but the worker’s comp paid for most of his medical bills and his rent, giving him just enough time to get his GED. After that, he started into construction, plumbing, and other handiman things he was knowledgeable in after years of being poor and self-sufficient.

-The accident, this time, was more of an ACTUAL accident. Norton had a disagreement with some of the coworkers he hated. There was an altercation, and something ignited…and Norton was the only one who got out. He doesn’t talk about it, mostly out of shame and a sense of guilt, but he copes by telling himself they deserved it.

- He drives the same beat-up old pickup truck Benny bought for him as a kid. It was transferred into his name when he was 18, so Benny can’t swipe it from under his nose. (Legally, anyway.) He could probably get a loan and buy a new car, but at this point he prefers to keep the old hunk of junk. Maybe he’s sentimental, or maybe the weekly maintenance he has to do on it is just therapeutic in a way.

-Not a super techy guy. He keeps up with industry news and learns new skills often, but his truck, his phone, and most of his home appliances are older. He’s good enough with fixing things that he hasn’t bothered to replace them.

-He’s not much of a decorator, either, but he’s good at thrifting and building his own furniture with recycled materials. His apartment/home is a bit of a hodgepodge, with mostly bare walls, but what he does have I impressive in its own way. Any décor he has is likely gifted.

-He’d like to own a home one day, but he’s playing things by ear. He realizes that might be asking a lot while he’s got no real support system.

-He’s a fair cook, but a lot of what he makes could be called “struggle meals.” They’re what he’s been used to for a long time.

-He’s a little paranoid about pumping gas into his truck, but he’s gotta do what he’s gotta do. On his days off, he tends to walk to take public transit to save some money and gas mileage.

-He’s that guy with a 7-in-1 shampoo, conditioner, bodywash etc men’s soap. Someone please teach him better ways.

[collapsedsquid]

An algorithm, not a doctor, predicted a rapid recovery for Frances Walter, an 85-year-old Wisconsin woman with a shattered left shoulder and an allergy to pain medicine. In 16.6 days, it estimated, she would be ready to leave her nursing home. On the 17th day, her Medicare Advantage insurer, Security Health Plan, followed the algorithm and cut off payment for her care, concluding she was ready to return to the apartment where she lived alone. Meanwhile, medical notes in June 2019 showed Walter’s pain was maxing out the scales and that she could not dress herself, go to the bathroom, or even push a walker without help. It would take more than a year for a federal judge to conclude the insurer’s decision was “at best, speculative” and that Walter was owed thousands of dollars for more than three weeks of treatment. While she fought the denial, she had to spend down her life savings and enroll in Medicaid just to progress to the point of putting on her shoes, her arm still in a sling.

Feels like that sort of mistake should be easily a few mil

[socialjusticeinamerica]

RepubliKKKlans are killing us. Our tax money was never intended to be given to oligarchs.

[justinspoliticalcorner]

Jonathan Cohn at HuffPost:

The first-ever negotiations between the federal government and pharmaceutical companies have led to agreements that will lower the prices of 10 treatments, reducing costs for the Medicare program and for some individual seniors, the Biden administration announced early Thursday morning. This round of negotiations began in 2023 and took place because of the Inflation Reduction Act, the law that Democrats in Congress passed on a party-line vote and that President Joe Biden signed two years ago. The new prices are for drugs covering a variety of conditions, including diabetes and inflammatory illnesses, and are set to take effect in January 2026. The negotiation process is going to happen each year, with a new set of drugs each time. If all goes to plan, that means the scope of drugs subject to negotiated prices will grow each year, while the savings will accumulate.

“When these lower prices go into effect, people on Medicare will save $1.5 billion in out-of-pocket costs for their prescription drugs and Medicare will save $6 billion in the first year alone,” Biden said in a prepared statement, citing figures that analysts at the U.S. Department of Health and Human Services calculated and published on Thursday. “It’s a relief for the millions of seniors that take these drugs to treat everything from heart failure, blood clots, diabetes, arthritis, Crohn’s disease, and more ― and it’s a relief for American taxpayers.” Of course, those numbers refer to aggregate savings on drug spending. Figuring out what they will mean for individual Medicare beneficiaries is difficult, because so much depends on people’s individual circumstances ― like which drugs they take, or which options for prescription coverage they use. It also depends on knowing the actual, real prices for these drugs today, after taking into account the discounts that private insurers managing Medicare drug plans extract from manufacturers. Those discounts are proprietary information that the federal government cannot release.

Great news: The Biden Administration, pharmaceutical companies, and Medicare have negotiated hefty price reductions for 10 high-cost drugs, including Januvia, FIASP, and Entresto.

[covid-safer-hotties]

Also preserved on our archive

By Lisa Jarvis

We’re still asking people with COVID to jump through far too many hoops to get their hands on Pfizer Inc.’s Paxlovid.

I experienced the barriers first-hand this month after my mother texted to say that this summer’s COVID wave had finally caught up with her. My first thought was to make sure she quickly started taking the antiviral. You’d think she would be an ideal candidate, because she is in her 70s with an underlying health condition. But it took a daylong effort to get her the medicine, one that involved multiple emails, phone calls with three different doctor’s offices, a telehealth visit and a bit of pharmacy-hopping to find one that had the pills in stock.

“That’s not an uncommon story,” says Amesh Adalja, a senior scholar at the Johns Hopkins Center for Health Security. “There are a lot of misconceptions out there that have undermined the use [of antivirals] from the very beginning.”

The data bear this out. One small study published in early 2024 by the Centers for Disease Control and Prevention found that 4 out of 5 high-risk patients were not offered an antiviral by their doctors. Worse, one large, community-based study found that Black and Latino patients were far less likely to receive the drug than White patients.

It shouldn’t be that way. And the delay matters: Pfizer’s antiviral only helps if taken within the first five days of symptoms. My mom, feverish and exhausted, told me that if I hadn’t stepped in as her advocate, she would have given up.

Doctors must do better, especially as we continue to live through a wave of infections.

Some health care providers may be worried about managing the interactions between Paxlovid and other medicines (my mom, for example, had to pause her Lipitor while on the antiviral). Others have been dissuaded by reports of rebound infections occurring in people who take Paxlovid — despite evidence that the drug’s benefits outweigh those risks in the most vulnerable patients. And some doctors might be operating under perverse incentives that make it more lucrative to have a sick patient make an appointment to confirm their infection instead of simply calling the prescription into a pharmacy after an at-home test.

There’s also lingering confusion about the right candidates for the drug. Paxlovid was authorized in 2021 based on compelling data showing it could keep high-risk unvaccinated people out of the hospital. Yet some doctors don’t seem aware that vaccinated patients can also benefit from it, particularly if they are higher risk. That’s everyone over age 65, or those who are immunocompromised, pregnant or with an underlying condition. Those groups still are at risk of hospitalization and even of dying, especially if their last exposure or booster is in the distant past.

And that’s a lot of people. Only 1 out of every 3 retirement-age adults got last year’s booster. “From my experience as well as others, pretty much everybody I’ve taken care of hasn’t received a vaccine in the last year or so, even though they might have had them originally,” says Peter Chin-Hong, an infectious disease specialist at the University of California, San Francisco. Since mid-August, COVID deaths in the U.S. have been hovering near 1,000 per week, according to CDC data. Shouldn’t we better deploy the tools that might prevent such losses?

Cost shouldn’t be a barrier. When antivirals transitioned to the commercial market last year, the U.S. government partnered with Pfizer to ensure people with public health insurance or without insurance could still get the drugs for free, and minimize the cost for people with private insurance. Yet infectious disease doctors tell me that months into the rollout, too few patients, prescribers and pharmacists seem aware of the program.

True, Paxlovid isn’t perfect. In people who aren’t high-risk, the data are mixed as to whether it helps much (though anecdotes abound for people who say they have felt better faster after taking it). And while there had been much hope that Paxlovid could prevent long COVID, so far the data supporting that hypothesis are inconclusive.

So there’s a clear need for better anti-COVID drugs. Even for young, healthy people who have been jabbed and infected multiple times, an infection can be extremely disruptive, sidelining us from work or school and ruining our best-laid plans. A drug more akin to Tamiflu — a very safe and tolerable treatment for the flu that allows people to bounce back faster, even if only by a day or two — would be a welcome invention.

Yet better antivirals have been slow to arrive. Pfizer is studying a treatment that works similarly to Paxlovid, but doesn’t interact with other medications. And hopes were dashed last spring when Shionogi’s Ensitrelvir, an antiviral approved in Japan, failed to prove it could alleviate symptoms faster than a placebo.

But even if a drug for the masses eventually made it to market, would it be used? When doctors can’t get it right for the most vulnerable, the prospects seem dim.

[mostlysignssomeportents]

Private equity finally delivered Sarah Palin's death panels

Tonight (Apr 26), I’ll be in Burbank, signing Red Team Blues at Dark Delicacies at 6PM.

Remember “death panels”? Sarah Palin promised us that universal healthcare was a prelude to a Stalinist nightmare in which unaccountable bureaucrats decided who lived or died based on a cost-benefit analysis of what it would cost to keep you alive versus how much your life was worth.

If you’d like an essay-formatted version of this post to read or share, here’s a link to it on pluralistic.net, my surveillance-free, ad-free, tracker-free blog:

https://pluralistic.net/2023/04/26/death-panels/#what-the-heck-is-going-on-with-CMS

Palin was right that any kind of healthcare rationing runs the risk of this kind of calculus, where we weight spending $10,000 to extend a young, healthy person’s life by 40 years against $1,000 to extend an elderly, disabled person’s life by a mere two years.

It’s a ghastly, nightmarish prospect — as anyone who uses the private healthcare system knows very well. More than 27m Americans have no health insurance, and millions more have been tricked into buying scam “cost-sharing” systems run by evangelical grifters:

https://www.nytimes.com/2020/01/02/health/christian-health-care-insurance.html

But for the millions of Americans with insurance, death panels are an everyday occurrence, or at least a lurking concern. Anyone who pays attention knows that insurers have entire departments designed to mass-reject legitimate claims and stall patients who demand that the insurer lives up to its claim:

https://kffhealthnews.org/news/article/khn-podcast-an-arm-and-a-leg-how-to-shop-for-health-insurance-november-24-2021/

The private healthcare sector is designed to deny care. Its first duty is to its shareholders, not its patients, and every dollar spent on care is a dollar not available for dividends. The ideal insurance customer pays their premiums without complaint, and then pays cash for all their care on top of it.

All that was true even before private equity started buying up and merging whole swathes of the US healthcare system (or “healthcare” “system”). The PE playbook — slash wages, sell off physical plant, slash wages, reduce quality and raise prices — works in part because of its scale. These aren’t the usual economies of scale. Rather the PE strategy is to buy and merge all the similar businesses in a region, so customers, suppliers and workers have nowhere else to turn.

That’s bad enough when it’s aimed at funeral homes, pet groomers or any of the other sectors that have been bigfooted by PE:

https://pluralistic.net/2022/12/16/schumpeterian-terrorism/#deliberately-broken

But it’s especially grave when applied to hospitals:

https://pluralistic.net/2020/05/21/profitable-butchers/#looted

Or emergency room physicians:

https://pluralistic.net/2022/03/14/unhealthy-finances/#steins-law

And if you think that’s a capitalist hellscape nightmare, just imagine how PE deals with dying, elderly people. Yes, PE has transformed the hospice industry, and it’s even worse than you imagine.

Yesterday, the Center for Economic and Policy Research published “Preying on the Dying: Private Equity Gets Rich in Hospice Care,” written by some of the nation’s most valiant PE slayers: Eileen Appelbaum, Rosemary Batt and Emma Curchin:

https://cepr.net/report/preying-on-the-dying-private-equity-gets-rich-in-hospice-care/

Medicare pays private hospices $203-$1,462 per day to take care of dying old people — seniors that a doctor has certified to have less than six months left. That comes to $22.4b/year in public transfers to private hospices. If hospices that $1,462 day-rate, they have lots of duties, like providing eight hours’ worth of home care. But if the hospice is content to take the $203/day rate, they are not required to do anything. Literally. It’s just free money for whatever the operator feels like doing for a dying elderly person, including doing nothing at all.

As Appelbaum told Maureen Tkacik for her excellent writeup in The American Prospect: “Why anybody commits fraud is a mystery to me, because you can make so much money playing within the guidelines the way the payment scheme operates.”

https://prospect.org/health/2023-04-26-born-to-die-hospice-care/

In California, it’s very, very easy to set up a hospice. Pay $3,000, fill in some paperwork (or don’t — no one checks it, ever), and you’re ready to start caring for beloved parents, grandparents, sisters, brothers, aunts and uncles as they depart this world. You do get a site inspection, but don’t worry — you aren’t required to bring your site up to code until after you’re licensed, and again, they never check — not even if there are multiple complaints. After all, no one at the Centers for Medicare & Medicaid Services (CMS) has the job of tracking complaints.

This is absolute catnip for private equity — free government money, no obligations, no enforcement, and the people you harm are literally dying and can’t complain. What’s not to like? No wonder PE companies have spent billions “rolling up” hospices across the country. There are 591 hospices in Van Nuys, CA alone — but at least 30 of them share a single medical director:

https://auditor.ca.gov/reports/2021-123/index.html#pg34A

Medicare caps per-patient dispersals at $32,000, which presents an interesting commercial question for remorseless, paperclip-maximizing, grandparent-devouring private equity ghouls: do you take in sick patients (who cost more, but die sooner) or healthy patients (cost less, potentially live longer)?

In Van Nuys, the strategy is to bring in healthy patients and do nothing. 51% of Van Nuys hospice patients are “live discharged” — that is, they don’t die. This figure — triple the national average — is “a reliable sign of fraud.”

There are so many hospice scams and most of them are so stupid that it takes a monumental failure of oversight not to catch and prevent them. Here’s a goodun: hospices bribe doctors to “admit” patients to a hospice without their knowledge. The hospice bills for the patient, but otherwise has no contact with them. This can go on for a long time, until the patient tries to visit the doctor and discovers that their Medicare has been canceled (you lose your Medicare once you go into hospice).

Another scam: offer patients the loosest narcotics policy in town, promising all the opioids they want. Then, once their benefits expire, let them die of an overdose (don’t worry, people who die in hospice don’t get autopsies):

https://www.newyorker.com/magazine/2022/12/05/how-hospice-became-a-for-profit-hustle

You can hire con artists to serve as your sales-force, and have them talk vulnerable, elderly people into enrolling in hospice care by convincing them they have nothing to live for and should just die already and not burden their loved ones any longer.

Hospitals and hospices also collude: hospitals can revive dying patients, ignoring their Do Not Resuscitate orders, so they can be transfered to a hospice and die there, saving the hospital from adding another dead patient to their stats.CMS’s solution is perverse: they’re working with Humana to expand Medicare Advantage (a scam that convinces patients to give up Medicare and enrol in a private insurance program, whose private-sector death panel rejects 13% of claims that Medicare would have paid for). The program will pay private companies $32,000 for every patient who agrees to cease care and die. As our friends on the right like to say, “incentives matter.”

Appelbaum and co have a better idea:

Do more enforcement: increase inspections and audits.

Block mergers and rollups of hospices that make them too big to fail and too big to jail.

Close existing loopholes.

They should know. Appelbaum and her co-authors write the best, most incisive analysis of private equity around. For more of their work, check out their proposal for ending pension-plan ripoffs by Wall Street firms:

https://pluralistic.net/2022/05/05/mego/#A09948

Catch me on tour with Red Team Blues in Burbank, Mountain View, Berkeley, San Francisco, Portland, Vancouver, Calgary, Toronto, DC, Gaithersburg, Oxford, Hay, Manchester, Nottingham, London, and Berlin!

[Image ID: An industrial meat grinder, fed by a conveyor belt. A dead, elderly man is traveling up the conveyor, headed for the grinder's intake. The grinder is labelled 'HOSPICE' in drippy Hallowe'en lettering. It sits in a spreading pool of blood.]

Image: Seydelmann (modified) https://commons.wikimedia.org/wiki/File:GW300_1.jpghttps://commons.wikimedia.org/wiki/File:GW300_1.jpg

CC BY-SA 3.0 https://creativecommons.org/licenses/by-sa/3.0/deed.en