You lie!!! Honest…

In his much hyped speech about health care to the joint session of Congress President Obama told a very sad story about a lady who had cancer and lost her insurance right before a much needed procedure. Why did she lose her insurance? She lost it because she failed to report a case of acne. That is awful and another example of those evil insurance companies!

you lie momentBut it seems that Joe Wilson was right about one thing. Our dear President was lying. Let’s refresh our memories on what exactly he said about that poor lady from Texas.

“Another woman from Texas was about to get a double mastectomy when her insurance company canceled her policy because she forgot to declare a case of acne.  By the time she had her insurance reinstated, her breast cancer had more than doubled in size.  That is heart-breaking, it is wrong, and no one should be treated that way in the United States of America.”

Seems that Robin Lynn Beaton, 59, of Waxahachie, Texas, did have her insurance suspended; and it was suspended right before a life saving procedure that she needed. But the problem is that she wasn’t suspended for an unreported case of acne. She lost her coverage when she failed to disclose a previous heart condition when enrolling in the plan. She also fibbed about her weight.

All was not lost, though, Ms. Beaton’s Representative, Republican Congressman Joe Barton and his staff worked with the insurance company and got her coverage reinstated. She got her surgery and she credits Barton and his staff with saving her life.

What we have here is a classic case of what Ann Coulter said – “If you want to know what the left is up to, pay attention to what they are accusing the right of.” Obama is just fear mongering. Yep, that is what the right has been accused of all summer and then the left’s fearless leader gets up on national TV and does it big time.

But to be fair, he said that transparency and accountability were going to be the touchstones of his administration. He said nothing about fear mongering, so that is evidently fair game.

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17 comments on “You lie!!! Honest…

  1. While stating that it was due to a case of acne is wrong, does it really matter that it was because of a heart condition, instead? The procedure she needed had nothing to do with her heart condition, and should not have had to go to the government to get her insurance back.

    Had she told the company about her heart condition, she would be without insurance completely, and would have never even been able to fight to get her non existent coverage back.

    And thus, no life saving procedure.

    Why do you think I’m on medicaid? Becasue I had cervical cancer NINE YEARS ago, and still can’t get insured because of it!

    Listen, I’ve worked in the insurance industry, they will deny coverage for any reason, any reason at all. I was once denied coverage – from an employer based benefit – because in between the time I was hired and the required time to get insurance (6 months) I got pregnant. Under our state laws, insurance companies still have to cover you if the accident/health care need was unforeseen (and believe you me, it was LOL). But they found a loophole that allowed them to deny me.

    They will drop you over any loophole they can find. And that is no lie, and it needs to stop.

    • Anok…I understand your frustration, but really the insurance companies are not the evil entity that they are made out to be. The insurance industry, particularly the health insurance industry is THE MOST heavily regulated industry in America. That is why they look for all those loopholes. Does that make it right? No, but they have to stay in business, they have to stay solvent in order to pay claims.

      If you owned your home and had no insurance and it burned down, would you THEN go to an insurance company expecting to buy coverage and also expecting that coverage to pay out on your previously burned house? Of course not. And no insurance company would do that anyway. Should the government force that insurance company to cover your fire?

      I am sorry you had cancer, but I am sincerely glad to see that you defeated it. My wife is a cancer survivor, too. I don’t know the particulars, but I would imagine that if you were allowed to purchase insurance across state lines and there were more competition, then you could very well find health insurance coverage.

      • Give your wife a hug for me, cancer beaters need to stick together 😉

        Insurance regulations are handed primarily by the states, and truly aren’t all that regulated. They may be the *most* regulated, but that’s not actually saying much.

        However – I’m of the frame of mind that if you can’t keep your business up and running in an ethical manner (or without being evil entities), you have no business being in business, anyway.

        And no, I would not expect to get retroactive coverage if something happened before I was covered (provided that I had not already been into the application/acceptance process) but I also don’t think that I should be disqualified because of an accident or illness that struck me years prior, either.

        However, I do find the “over state lines” argument to be a bit…fallacious. First and foremost, aside from non competing small insurance agencies, the main players have their insurance agents in every state to begin with – so there is no real competition there. The main players don’t compete with each other, they’re certainly not going to compete with themselves. It’s counter-productive. Further that, once you’re in their database, you’re in it nationally. The local agents are just there to comply with the state alien agent laws, and to be sure state laws are being properly followed (LOL yeah, right!). So whether I applied at Blue Cross here, or in Alabama, the answer is still the same. “No”. As it is for all of the main providers.

        Of course, I could go with an unknown small company. At the town hall meeting there was a guy talking about the state line comparison (in favor of it), and he said (and I quote) “I went over the state line and found a policy that was cheap. It was a bad policy, didn’t cover anything, but I could afford it.”

        That’s a sad, sad statement if I ever heard one.

        Of course, crossing state lines brings up another problem, and in my opinion, a violation of the 10th amendment. States would lose the right to dictate most of their own laws regarding insurance. The federal government would have to step in with blanket legislation to cover the across the border trading, because a policy in Kentucky will NOT fulfill the requirements of Connecticut. Nor would the PPO’s work out properly etc and so forth. So each agent would either have to be versed and licensed in every state’s laws, or the Fed would step in with one grand licensing requirement.

        It’s not like…purchasing a product over state lines. It’s not furniture, or tobacco, or firearms. It’s a living document so to speak because it requires compliance with the state for which the contract is applicable. It’s a document that needs constant approval, reworking etc and so forth.

        Most insurance companies forbid the use of their insurance outside of the prescribed area except for emergency services. And that’s their own regulation.

        So you see, it’s just not that simple.

        And in any case, the premiums are rigged, anyway. If one company gets away with charging X amount for this type of policy, then the other companies will adjust their prices accordingly. It’s pretty much a farce if you ask me.

      • Well, google health insurance mandates and you will see that insurance companies are heavily regulate. Also there are about 1,300 insurance companies in the the country, so portability WOULD help. You would have to do something about the mandates, but it would increase competition. As far as violating the Constitution, the Commerce Clause was enacted to promote commerce, not hinder it.

        And I hugged my wife, and told her it was from an Anarchist Ninja. She looked at me like I had lost my mind…

  2. I think it is bad when people can’t get coverage when they need it, but I also don’t think it is right to have the government provide healthcare. The Constitution never gave them the right to get involved this way.

  3. I don’t think anyone questions the need for reform. The real question is how. Single payer clearly is not the way to go. Canada is now looking at privatizing parts of their system to overcome it’s general fail.

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