Saturday, December 20, 2014

So What!? Med copays go toward OOP Max

Remember back when my boys Mito Cocktail was covered? The ACA was passed and people said, "In 2015, medication copays will go toward your OOP max!" And I always replied,"That means fewer meds will be covered and our OOP Maxes will skyrocket." That's what happened. Lifesaving meds are no longer covered and OOP Maxes skyrocketed making the plan we've had for 10 years unaffordable. 

Yes, next year, the #ACA mandates that medication copays go toward your OOP Max. Big deal. It's still not affordable. 

IGG had a copay of $16 before the law- went up to $33.33 after. Still affordable. Next month, if the new plan approves IGG, we will have to put $4055 on a credit card to pay for this blood product my son infuses weekly. At that point, does it matter that at some point it will be covered 100%? In Feb it will cost $1600. This of course varies based on who files first. We know we will have to shell out $6,000 by February 2015. THEN let's not forget the mito cocktail mostly no longer covered. We know that will be a minimum of $9,600 a year. We have a plethora of things not covered. Glycosade, extra dental, so forth and so on. We know we will have a minimum of $15,600 in OOP medical next year PLUS our usual 3-4k of other stuff... Stuff most families have anyway. 

We were forced to get this new plan because Obamacare made our old plan unaffordable. So, while meds go toward the OOP Max, insurance just made a separate OOP Max for meds of $5700 plus the $7500 for medical. add that to the $9600 for the mito cocktail that used to only cost us $3600 a year and our minimum OOP with the old plan we liked but can't keep would be $22,800. PLUS all the usual uncovered items.... And you see why we had to change plans.  

All this to say: the law mandating medication copays going toward the OOP Max doesn't mean a whole lot. Well, for those of us who have to pay for it ALL ourselves. The law is a sham. All of this AND premiums increased over $3K a year. 

We don't have $6000 in the bank to pay out the first two months of the year. We are more screwed now than we ever were before that POS law passed.

Tuesday, December 9, 2014

NC Mom Travels to Boehner’s Office to Deliver Message | Pundit House

See the article and video of my visit to Boehner's office yesterday here: 

NC Mom Travels to Boehner’s Office to Deliver Message | Pundit House

I was extremely tired yesterday. Thought of a million other things I could have said to Boehner's staffer. When people tell you, "you don't understand the power of the purse"  or its intent, there are SO many things you could bring up. First and foremost, the Constitution gives the House of Representatives the power of the purse. All appropriations must originate in the House=> Article I, section 7- the Origination Clause and Article I, section 9, clause 7,the appropriations clause, is the base of the "power of the purse".

Our founders were clear. The Federalists thought that the American people would use these checks and stop any overreach and the anti-Federalist...not so much. The House has the Constitutional obligation NOT to fund any unconstitutional laws, acts or government function. It has the Constitutional obligation to redress our (we the people) grievances using the power of the purse. Especially when we have a president and many elected officials ignoring all of us who are exercising our first amendment rights to redress grievances! 

In Federalist 58, James Madison wrote: "The House of Representatives cannot only refuse, but they alone can propose the supplies requisite for the support of government. They, in a word, hold the purse--that powerful instrument by which we behold, in the history of the British Constitution, an infant and humble representation of the people gradually enlarging the sphere of its activity and importance, and finally reducing, as far as it seems to have wished, all the overgrown prerogatives of other branches of the government. This power over purse may, in fact, be regarded as the most complete and effectual weapon with which any constitution can arm the immediate representatives of the people, for obtaining a redress of every grievance, and for carrying into effect every just and salutary measure."

Now, go call your representative and Mr. Speaker and tell him to use the power of the purse to STOP King Obama. #NoAmnesty #DefundObamasAmnesty #StopObamasAmnesty #PowerOfThePurse

Tuesday, December 2, 2014

Controversial Atheist Billboard: Girl's Christmas Wish is to Mis - WKRN News 2

The billboard doesn't offend me. I do, however, think it is stupid. They say they don't believe in "fairy tales" but then start the letter on the billboard with "Dear Santa".  Which is it? Do they or do they not believe in fairy tales? Are they saying it is okay to believe in Santa but not to believe in Jesus? Why do they care so much? No one is forcing them to believe in Jesus, Santa or the tooth fairy, for that matter. 



The information beliw is cut and pasted from this link. I've started cutting and pasting articles because I've found later, the links stop working or articles are moved, etc. Controversial Atheist Billboard: Girl's Christmas Wish is to Mis - WKRN News 2


Controversial Atheist Billboard: Girl's Christmas Wish is to Miss Church

Posted: Dec 01, 2014 6:23 PM ESTUpdated: Dec 01, 2014 6:49 PM EST
 
A billboard recently released in several traditionally conservative"Bible Belt" states is stirring controversy ahead of the Christmas holiday. (Photo: American Atheists, Inc.)
A billboard recently released in several traditionally conservative"Bible Belt" states is stirring controversy ahead of the Christmas holiday. (Photo: American Atheists, Inc.)
RICHMOND, Va. (WRIC) -A billboard recently released in several traditionally conservative"Bible Belt" states is stirring controversy ahead of the Christmas holiday.

The inflammatory billboards show a young girl writing a letter to Santa. The letter reads, “Dear Santa, All I want for Christmas is to skip church! I'm too old for fairy tales.”

The organization says of the billboards: The billboards are aimed at in-the-closet atheists who are pressured to observe religious traditions during the holidays, and who might also want to attend the annual American Atheists National Convention in Memphis in April. 

In past years, similar billboards also sponsored by the American Atheists Association were placed in urban locations like New York City. This year, the group honed in on areas of the country known for strong religious beliefs: Memphis and Nashville Tennessee, St. Louis, Missouri and Fort Smith, Arkansas.

Reactions on the group's Facebook page varied from wholehearted support to disdain: 

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 American Atheists also said they tried to put up a billboard in Jackson, Mississippi but were rebuffed by lessors in the area. 

 What do you think of the billboards? How would you feel if one was erected in Richmond or another part of Virginia?


Controversial Atheist Billboard: Girl's Christmas Wish is to Mis - WKRN News 2

Sunday, November 23, 2014

SNL Slams Obama on Executive Amnesty

Last night, we watched Saturday Night Live and couldn't stop laughing at the opening skit. We immediately tried to find it online to share. We've watched it several times and it doesn't get old. 

Remember the old School House Rock "I'm just a bill...."? They use this for their skit. I've seen some critic SNL for their lack of constitutional knowledge... Come on! It's a skit and they only have a few minutes! I think it was priceless. They can't go into all of the ways in which a bill becomes a law! They'd have to sing about the rules committee, cloak rooms and the lot. So, with that said, enjoy the skit and laugh! 

Watch it at this link:  http://youtu.be/JUDSeb2zHQ0


Monday, November 17, 2014

Consumerism vs Capitalism Why are Stores Open on Thanksgiving?

In a recent conversation between friends, the topic of consumerism versus capitalism came up. My friend's daughter has to work at a retail store on Thanksgiving Day. One person said it was the fault of capitalism and my friend retorted that it was consumerism. I agree that consumerism is the reason we now have people working on a day we should be refraining from work and giving thanks to God.

People often confuse consumerism with capitalism. Consumerism is a belief and capitalism is a system. Consumerism is atheist in origin. Consumerism is the belief that "stuff" will make you happy. Buy an iPhone and you will be happy, buy the latest and greatest big screen TV and you will be happy. Consumerism is the belief that happiness is found in possessions. Capitalism is an economic system. While some people believe that capitalism is the best economic system, it is an economic system and not a belief. One could say that the free market capitalist system is fueled by consumerism, but the free market did not create consumerism. Consumerism is about consuming a multitude of goods. Good food, good entertainment, wonderful cars and the latest and greatest electronics. Capitalism is about creating all these goods that people want to consume.

The Oxford American Dictionary defines consumerism as,  "The preoccupation of society with the acquisition of consumer goods." Capitalism is defined as, "An economic and political system in which a country's trade and industry are controlled by private owners for profit, rather than by the state."

Consumerism can happen anywhere and in any economic system. While communist and socialist systems may make it difficult for the consumerist to obtain all of those wonderful things he thinks will make him happy, the free market (capitalist) system makes it much easier for the consumerist to purchase all the goods that he thinks will bring him joy and happiness.

The question is: why are people working on Thanksgiving? Consumerism is the answer. If people hadn't wanted the spices and materials from India, the trade routes would never have been established. Do you think folks would have trekked thousands of miles over dangerous terrain for spices and materials no one wanted to purchase? Of course not! People are now working on Thanksgiving because consumers will purchase the company's goods on that day. If people stayed home on Thanksgiving and never went to the store to purchase goods, stores would not open. Consumerism is behind the stores being open on Thanksgiving!

Which leads me to my next point. Removing God from society has allowed us to have a more prevalent consumerist belief system. We had a freer market in the 1950s, and yet stores were closed on Thanksgiving and people stayed home to give thanks to God. We've raised generations of people who now think stuff is more important than God. We've removed Him from our schools, the public square and thus our daily lives. Families are broken and society is falling apart. Instead of soothing ourselves with His Word, we run to the store to purchase the latest and greatest _________ (insert any of a plethora of items here).

The free market system IS the best system in the world. If we had a true free market, costs on ANY and EVERY good and service would come down. I'm a believer in the free market (capitalism), but I am not a consumerist. I do not believe that the goods produced so easily in a free market are the key to happiness. God is the key to happiness. The innovations created by a free market are tools to a better life and, in many cases, a longer and healthier life. MRIs, cancer drugs, new treatments for other diseases and technologies that save lives and help us live longer- Thanks be to God!

I hope you'll stay home on Thanksgiving to give thanks to God for the many blessings he has bestowed upon us all. Shopping can wait a day!