Red Bank, NJ: Donations needed for Sandy relief (please reblog)
Project Rebuild and Recover Assist in Hurricane Sandy Relief needs your help!! How? Donate or Volunteer!! We really need: cleaning supplies, buckets, mops, breathing masks, bottled water, rubber gloves, work gloves, contractor bags, toiletries, non-perishable food, baby wipes! Please bring your donations to Sounds to Go on 21 E. Front Street, Red Bank from 9am - 9pm, we also need volunteers to drive and sort!! Thank you!
Foster homes for Sandy dogs needed: please reblog!
Reposting for a friend. The need is actually from Brooklyn, Sayreville was the town farthest north that I could select. We need foster homes for small dogs. We have a neighbor who lives on 38 Gunnison Court Brooklyn, NY 11235 and has about 15 small dogs. The place was seriously hit by the Hurricane. A friend is fostering 3, another neighbor took 1 that was about to die…they are all wet and cold. There is no electricity, no clean water, no gas… it is freezing inside. The dogs are not going to make it through these few days unless we have more volunteers to take them in. Please contact Eva tonight 212.613.1444 (from 10am-6pm) and 718.743.7252 (from 8pm-11pm) and if you can take help. You may also email (email@example.com) before 6PM. Thank you!
Ohio really did go for President Obama last night, and he really did win. And he really was born in Hawaii. And he really is, legitimately, President of the United State - again.
And the Bureau of Labor Statistics did not make up a fake unemployment rate last month. And the Congressional Research Center really can find no evidence that cutting taxes on rich people grows the economy.
And the polls were not skewed to oversample democrats. And Nate Silver was not making up fake poll numbers about the election to try to make conservatives feel bad; Nate Silver was doing MATH.
And climate change is real. And rape really does cause pregnancy, sometimes. And evolution is a thing. And Benghazi was an attack on us, it was not a scandal BY us.
And nobody’s taking away anyone’s guns. And taxes have not gone up. And the deficit is dropping, actually. And Saddam Hussein did not have weapons of mass destruction.
And the moon landing? Was real. And FEMA is not building concentration camps. And UN election observers are not taking over Texas. And moderate reforms on the regulations on the financial industries and the insurance industries in this country are not the same as communism.
Listen. Last night was a good night for liberals and for democrats, for very obvious reasons. But it was also possibly a good night for this country as a whole.
…But if the conservative movement and the conservative media and the republican party is stuck in a vacuum-sealed, door-locked, spin cycle of telling what makes them feel good, and denying the actual lived truth of the world, we are all deprived, as a nation, of the very debate between competing, feasible ideas about real problems.
Last night the republicans got shellacked, and they had NO idea it was coming. And we saw them in real time - in real, humiliating time - not believe it even as it was happening to them. And unless they want to secede, they will need to pop the fictional bubble they have been so happily living inside, if they do not want to get shellacked again.
The link above is to the subscriber newsletter for people insured through Wellmark Blue Cross Blue Shield. At said newsletter, you will find an incredibly simplistic and patronizing “explanation” of how health care reform, namely the Affordable Care Act, will affect currently policyholders.
Let’s say a group of people meet at a restaurant for an exclusive dinner party. Orders are placed and hours later the bill comes.
Based on how initial rating works today, the dinner party is exclusive, only certain people can come to the table. Insurance is intended to pay for conditions and events that may occur in the future, but do not exist today. For this reason, insurers do not have to cover everyone or can limit the amount of coverage offered. In this analogy, it would be similar to offering a menu with limited choices. Each person would pay his or her share based on what he or she typically orders. The amount each person pays is based on past eating habits, etc. For the most part, those who ordered more food will pay a larger share of the bill and those who ordered less will pay a lower share.
However, in 2014, this will work differently. First, due to theguaranteed issue requirement, the dinner party is no longer exclusive. Anyone can come regardless of health status. Second, everyone can see the full menu of covered benefits because there are no pre-existing condition exclusions. Third, because of the new premium rating requirements, the bill will be split more evenly among all people at the table. Those who paid a lower share of the bill before will be asked to pay more, even though they don’t plan to change their orders. Those who paid a larger portion of the bill before, now would pay less.
This may upset some of those who used to pay a lower portion of the bill. They may not want to come to the table. However, if individuals do not purchase coverage, they will be subject to a penalty.
The Affordable Care Act also requires coverage of certain benefits known as essential health benefits. When applying this to the dinner scenario, it means that everyone will now get a side dish whether they ordered one or not AND the side dish will be reflected in the amount each person will pay for their meal.
Gee, those people insisting on all that steak and salmon seem like selfish shits, don’t they? And what if I don’t WANT broccoli? Why should I have to pay for broccoli I don’t want?
Let’s think about this for a minute, though. We’re not talking about a meal. We’re talking about catastrophes. We’re talking about peoples’ grandmothers who had a heart attack, we’re talking about thirty-year-old fathers with leukemia, an eighteen-year-old soccer player hit by a drunk driver, babies born without an immune system or with malformed hearts. When we talk about the “choices” of entree people made, we’re talking about families who take plans with a $10,000 deductible in case of a devastating accident or illness, where the parents don’t go for any preventive health care because the doctor’s appointment copay and antibiotics are expenses they can’t justify in the weekly budget. We’re talking about an “exclusive dinner” where people who are dying of starvation - or without their chemotherapy drugs - are told ‘sorry, this table is reserved,’ and the curtains are drawn so we don’t have to look at them.
The “essential benefits” that Wellmark is talking about? From healthcare.gov:
Essential health benefits must include items and services within at least the following 10 categories:
Ambulatory patient services
Maternity and newborn care
Mental health and substance use disorder services, including behavioral health treatment
Rehabilitative and habilitative services and devices
Preventive and wellness services and chronic disease management, and
Pediatric services, including oral and vision care
Individual states can interpret these guidelines flexibly, indexing them to various benchmarks that basically boil down to an average of the health plans offered by the state, federal government, and the largest employer groups in the given state. So the “side dishes” that they’re talking about? Are ones that almost every group offers anyway. It’s a bare minimum, not something exotic and special.
Isn’t choosing not to have hospitalization benefits, or maternity benefits, or coverage for contraception a personal choice? A personal freedom? you may ask. If it is, it’s one that the rest of us all end up paying for anyway, because emergency room services are only written off for the indigent patient. The hospital still has to pay its employees, buy its supplies, maintain its equipment and “retain administrative talent,” so those lost fees will be figured into recalculated expenses to those people who DO pay to cover those losses.
Or poor people will get sick and die. I suppose that’s OK for people who think cancer is a personal choice, or that you can’t get pregnant from legitimate rape and a slut’s punishment-fetus doesn’t deserve prenatal care, or you should have not exercised your freedom to not wear a helmet or a seatbelt.
The whole entire reason insurance came to be—the only reason it exists—is that some times, in some places, when you were desperately sick or injured and not able to work and pay for your care, that if everyone was chipping in a little all the time, the group would be able to take care of that member. And that in time, in turn, it would be some other member’s turn, and they would be entitled to that support. And some would never need it, but they would have the peace of mind of knowing if they did, it would be there.
Private insurance has been funding that “exclusive party” they’re talking about in that graph by kicking out everybody they think might actually need the help. So that makes it a pretty empty gesture. Or even sickening, when you think that the CEO of Wellmark made 2.4 million dollars in 2009.
Many people don’t like broccoli, or paying their bills. Motherfucking adults know that you do it anyway because it’s the right thing to do. Care when you’re desperately sick shouldn’t be a luxury. It should be the right thing. Please, America, show me you’re better than this.