Insur-Animals #1

This is kind of awesome. Pass Prescription for Pennsylvania (and Access to Basic Care). Health Insurance companies are evil.

Technorati Tags: cartoon, fun activism, health care, health insurance

A coalition of Democrats and Republicans who really support small businesses is forming to make certain that you can get health insurance at every phase of your life. They should soon send a bill to the Senate that will make our health insurance market make sense.

Can you think of an industry that makes its money by avoiding customers? Doesn't that seem like a really weird concept? Well, there is one: the health insurance industry. Private insurers, like Aetna, carefully screen their customers to keep the ones most likely to have health problems out, a.k.a., "cherry picking." They look for small companies filled with healthy, young workers and offer them great plans. Then, they just rake in premiums, because even at reasonable rates they are making money because the young turks don't get sick.

They can do this because Pennsylvania permits insurers to set rates based for an employer based on the health status of its employees. So, Blue Cross & Blue Shield have to insure everyone. All the middle-aged and older workers end up with the Blues, while Aetna and others steal the healthier workers. By "steal," I mean they rob these larger pools of the healthy workers who bring costs down. That's the same trade-off we've always had with insurance. I pay in now while I'm healthy so that, in exchange, I won't have to pay in so much when I'm older.

That's not how it works anymore. Click "Read More" to find out what legislators are trying to do about it.

The Pennsylvania AFL-CIO is pressing legislators to pass HB 2098, a bill submitted on December 6th and sitting before the House Insurance Committee (authored by its chair, Rep. DeLuca). We were all a little disappointed earlier this year when the legislative process failed to make good on Governor Rendell's plan to allow our insurers to quit paying for infections and mistakes made by Hospitals. Then, the next thing we knew, Medicare (by far the biggest spender in Healthcare) came along and said it wasn't going to pay for those mistakes or infections starting late in 2008, anyway. Which could have nearly the same effect, so HB 2098 seeks to give our Pennsylvania insurers that same right: to refuse to pay bills for procedures correcting conditions that hospitals should have prevented.

"But wait! I thought we already solved this problem?" you ask. Sure you do. We did something about it, but we sure didn't solve it. In fact, in one very important way, we took a step backward. A big step. Click Read More to see what I mean!

Has it been a year already? If it is HAPPY BIRTHDAY SMOKING BAN!!!!!!

Time flies when your not smoking in public places anymore. I doesn't even seem like a year now since City Council ,headed by then Councilman Mike Nutter at the time, passed the bill that people thought would kill every establishment in the area. God forbid we can't smoke at our tavern anymore? Off with Nutter's head! People were saying that last year, just before he announced that he was running for Mayor. I thought this would be his down fall , first your taking our cigarettes , then you wanted to stop and frisk? But it seems that the ban and Nutter survived with flying colors. Who would have thought that the calm would be so nice after the smoke storm.