The Conservative Party Principles

The Conservative Party Principles

Tuesday, December 7, 2010

The First Results From Obamacare

Well the first phase of Obamacare has left its mark on the American people and the results are horrendous. It has created 20% to 50% rate increases both individual and group health plans and forced business’ to change the types of plan coverage and participation from employees. I have talked to seniors in the Florida state group health plan facing $850.00 per month premiums next year, this is a direct result of Obamacare and not out of the norm. Below is the latest results of rate increases and their effects from the Society of Human Resource Managers a very progressive group!

http://www.shrm.org/hrdisciplines/benefits/Articles/Pages/CostShifting2011.aspx

The real effects are now just being felt and the biggest causal factor is the Minimum Loss Ratio requirement of 85% for large group and 80% for small group and individual plans.

For more on calculating MLR go to: http://healthcare-legislation.blogspot.com/2010/04/reporting-minimum-loss-ratios.html

This requirement forces all health insurance companies to spend 80 to 85 cents out of every dollar on the health care of the policy holder or group member and if they do not, they must reimburse these funds back to the consumer.

So lets extrapolate that concept:

1. You own auto insurance or homeowners insurance and did not get into an accident or have a claim on the policies, so you should get back 15% to 20% of your premium $$$. 2. You own life insurance or disability insurance and did not die or become disabled this year so the insurance company should give you back part of your premiums. ( they do have Return Of Premium policies that are 125% more expensive than their non ROP policies) 3. You have a cable or satellite subscription and you only watch broadcast stations so you don’t miss Dancing with the Stars, so the company should give you back your monthly fee because you can get that station with an antenna.
4. You buy groceries and before you eat them they spoil because you decided to eat out every day this week or you went out of town, so the grocery store should reimburse you for the spoilage even after an obvious consume by date.

Insurance is to protect you from RISK not to provide you with free consumption or reduce your responsibility to provide for your own well being! The Declaration of Independence states the following: http://www.ushistory.org/Declaration/

We hold these truths to be self-evident, that all men are created equal, that they are endowed by their Creator with certain unalienable Rights, that among these are Life, Liberty and the pursuit of Happiness.

No where in that statement does it say that this government was created to guarantee that a minority of the population was entitled to a free ride or that any citizen was entitled to anything more than the right to live, the right to be free and the right to pursue your dreams as long as they did not take these rights away from anyone else!

The Fascist ruling class elitist’s in their infinite wisdom decided to enslave another section of our economy by enslaving both sides of the industry by controlling the financial profitability of both the payer and the payee and using you Mr. & Mrs. America as the cause celebre'. This is the first step in breaking the back of the system itself, destroy from within and then replace with their ideal plan: the failing socialist system now bankrupting Europe, Canada, Cuba and everywhere else.

They are now forcing every health insurance company in America to recreate its business model and cut commissions to agents, cut payments to doctors, drop hospitals and clinics from networks, drop plans offering lower premium / higher shared costs, look for alternative lines of business and reduce their work force! Assurant health recently “laid off” over 20% of its employees and the others are doing the same. This legislation is destroying the healthcare system from within and that is exactly what it was designed to do from the start! Do you really think it took 550 legislators, 1000’s of lobbyists and the ruling class elite plus puppet masters such as George Soros, 5 different attempts to create 1 plan to turn our country into 1934 Germany and their health care system?

Are you that stupid?

The ruling class elite are using the double digit masses they helped create, with the multitude of social reformation programs they have shoved down our throats and created billion dollar departments that are self sustaining bureaucracies full of their like minded minions that continually attack our Constitutional Republic! They occupy the ranks of the unions that espouse socialism as their doctrine. They are the so-called intellectual elite that “educate” our children in our schools, administrated by one most obvious socialistic dept’s. in our government the Dept. of Education aka. the Dept. of Indoctrination! But that is a discussion for another day and blog.

Their goal all along is control you by controlling who gets care and who does not. Population control at its most insidious!

So how do you fix it?

Repeal this nightmare and make the individual responsible again, this is where we have gone wrong every time, we keep allowing the “ruling class elite” to dictate policy for the few, to the many! We have been silent too long, we have slept too soundly and we have doubted their evil hearts! And oh yes! they are evil in both thought and deed, they are willing to destroy everything to gain power and will sell out all for their profit. They point the finger at you and say: “you the conservative patriot are the problem” because we kept waking up just in time stop them: well this time we did not! They have for 40 years stolen our right to liberty and the pursuit of happiness and all that is left is life: and now with Obamacare that is now in jeopardy!

It is time to remove the evil from our government and our society, this past November was a good start but now we must be even more vigilant and determined in our oversight! And never forget what it was that created this Republic the United States of America.

That to secure these rights, Governments are instituted among Men, deriving their just powers from the consent of the governed, --That whenever any Form of Government becomes destructive of these ends, it is the Right of the People to alter or to abolish it, and to institute new Government, laying its foundation on such principles and organizing its powers in such form, as to them shall seem most likely to effect their Safety and Happiness. Prudence, indeed, will dictate that Governments long established should not be changed for light and transient causes; and accordingly all experience hath shewn, that mankind are more disposed to suffer, while evils are sufferable, than to right themselves by abolishing the forms to which they are accustomed. But when a long train of abuses and usurpations, pursuing invariably the same Object evinces a design to reduce them under absolute Despotism, it is their right, it is their duty, to throw off such Government, and to provide new Guards for their future security.-

The Founding Fathers got it right the first time when after much debate they realized that government not the people were the greatest threat to freedom!

In Freedom and Liberty,

Dr. Keith C. Westbrook Ph.D.

Wednesday, August 25, 2010

A letter to Ella Ann



08/24/2010
Ella Ann:

My name is Keith C. Westbrook or to you in the start of your life poppa or grandpa. When your mom and dad told us that you were going to be our first grandchild everything in our lives, in my life changed from that moment on. We love your mom and dad, but there is something about knowing that a part of me and your grandmother will live on through you, not just the DNA but the essence of what our lives have been, has changed us forever. You are the embodiment of all our hopes and dreams f0r a brighter future than ours and our chance to live on, past what our mortal existence allows.
But what will that future bring to you and those that will share it with you I cannot foresee, all I can do is tell you that I am fighting today so you can have the tomorrow I would want for myself. To be FREE to experience all that life has to offer, to love with all of your heart and to grow and become the best you, in the greatest most free nation on earth.

It is a very tumultuous time in the history of this country, we have for many years let ourselves believe that the things we cherish the most: freedom, honor, family were sacred and could never be taken from us: WE WERE WRONG!

When I was born many years ago in the middle of the last century in 1953 it was a very different time than the one you will experience. We were very naive about many things and happy to be so, there was an innocence and a belief that our great Republic with its foundation in the Constitution was always going to be the shining star of this little blue marble spinning in space.
We had problems: I remember things that (if they write history as it really happened) we faced every day that were scary, we sat on the brink of technology that some were willing to use to destroy this planet. ( Mutually Assured Destruction) The people in charge of all of the countries could not then and still not today try to understand each other and if they cannot agree or get along, take from the other person what they have and don't want them to have. (like the bullies you will meet in the school yard one day).(kick their ass!)
And it was not just the bullies from the other neighborhoods it was our own bullies here in our neighborhood who hid from everyone while they schemed and planned to take away what made this country and we the people great, because they feared it and us.

Ella: bullies are more afraid of you that you are of them, ALL bullies are cowards deep inside and to keep you from seeing that fear they hide it by attacking what they fear the most!

The most cherished and fought over of these things is FREEDOM! It frightens me to think that you may never get to live your life with this being the most cherished and fought over right endowed to us.

Will you ever get the chance to really know and understand "We hold these truths to be self evident that all men are created equal, and they endowed by their Creator with certain unalienable rights. Among these rights are Life, Liberty and the Pursuit of Happiness"?

Will you ever get to choose for yourself, to be educated not indoctrinated by a system corrupt by people who believe that we are inferior because they chose to spend their lives corrupted by sick minds. People who believed that, because they spent most of their life being "educated" that they were above everyone else?

Will you get the chance to choose this countries leaders by Democratic vote or will the ruling class elitist that was born of this indoctrination system, take from you a sacred right that people today, treat carelessly! That their freedom is an inconvenience not a privilege few others in this world share?

Will you get to live in a country of, by and for the people and more importantly will you truly understand what this really means? That it was founded and created as a country that the free will of the people not anyone person or government was in charge! It was founded on the principals that the only power it has was granted to it by the people?

Will you get to share your life with someone special without the constraints of a government controlling your lives every day in the name of social justice and the "good of the people"?

Will you get to have children and raise those children in a free society governed by the will of the people?

I hope and pray that you will, but I also am now at war for those rights for you! I have not taken up arms against my country and pray everyday that it never comes to that. I fight with truth and facts and words and deeds to show these bullies (that we call the "ruling class" elitists') that I will not allow them to deprive you of what this country is supposed to be as created by the laws that govern it.
I raise my voice now when their propaganda machine that at one time was our media and news (our 4th Estate) lies to me! I raise my mind to seek the truth in all things especially what is in the hearts of the those chosen to represent us! I chose to serve others instead of turning my back and became involved with life instead of sitting on the sidelines when others needed me!
I choose to live without fear or correctness or concern that the truth spoken will damage others who are incapable of dealing with the truth!
I choose to make a difference not for me but for you!

I am in the twilight of my years as once written, it would be easy for me to just sit back and let it all just take its course. I have fought my battles on several continents and bare the scars from my wounds and the losses in my heart. I have buried many of my loved ones and as of this writing wake every day with the reminders of a foolish, brazen youth!
I have taken lives in defense of this country and defend her honor more today than ever before in my life and I regret no action or path that would take me from being your grandpa.
But the battle once again requires the patriot warrior, and that is what I am, not because I want to be but because I have to be. This country has many of us that once were patriot warriors, but we have forgotten or chosen to let the patriot warrior rest and lived other lives. You see a patriot warrior is not someone who takes up arms and starts wars but someone who ends them. A patriot warrior defends the truth, honors his country, defends its laws, protects its citizens, and provides for its future!
And it is your future my granddaughter that I now fight for and will sacrifice my remaining years to ensure you have one! I give it without hesitation or fear, other than it being in vain, that you will be blessed by living in the country that I grew up in with all the freedoms and opportunities it entails.
That you will never worry that your government is destroying the foundations of freedom that created it and ignoring your voice as they ignore ours now!
That your life be lived in the United States of America with its Declaration of Independence and its Constitution and Bill of Rights still intact and still sacred. That its government of the people, by the people and for the people has not perished from this earth!

I love you Ella Ann and pray that I am alive when this makes sense but if not I give my life freely so you may never have to make that choice!
And that you live the life you choose to live!


Monday, July 12, 2010

The Economic Fascism of Obamacare!

Well its been an interesting month, as I started to write this months blog entry I was recreating the theme every other day.

First there was the latest CBO report on the revised numbers that are frightening and as usual here it is from the CBO Directors own words.
http://cboblog.cbo.gov/
http://cboblog.cbo.gov/?m=201007

The Outlook for Major Health Care Programs and Social Security Growth in spending on health care programs remains the central fiscal challenge facing the nation. CBO projects that if current laws do not change, federal spending on major mandatory health care programs will grow from roughly 5 percent of GDP today to about 10 percent in 2035 and will continue to increase thereafter. (Mandatory programs are those that do not require annual appropriations; the major mandatory health care programs include Medicare, Medicaid, the Children’s Health Insurance Program, and the subsidies that will be provided through the insurance exchanges that will be established as a result of the new health care legislation.)

That estimate includes all of the effects of the recently enacted health care legislation. Although, CBO expects the legislation to reduce federal budget deficits over the first 10 years and in subsequent decades (through its effects on both revenues and spending), it is expected to increase federal spending in the next 10 years and for most of the following decade; by 2030, however, that legislation will slightly reduce federal spending for health care if all of its provisions are fully implemented, CBO projects. (The estimates for the health care legislation that are used in this report are unchanged from the ones that CBO and the staff of the Joint Committee on Taxation published in March, when the legislation was being considered.)
Under current law, spending on Social Security is also projected to rise over time as a share of GDP, albeit much less dramatically—from 5 percent to 6 percent of GDP. (Later this week, CBO will release a report on a number of different policy options for changing Social Security.)
All told, CBO projects, the aging of the population and the rising cost of health care will cause spending on the major mandatory health care programs and Social Security to grow from roughly 10 percent of GDP today to about 16 percent of GDP 25 years from now if current laws are not changed. (By comparison, spending on all of the federal government’s programs and activities, excluding interest payments on debt, has averaged 18.5 percent of GDP over the past 40 years.)

Budget Outcomes Under Two Long-Term Scenarios:

In the report, CBO presents the long-term budget picture under two scenarios that embody different assumptions about future policies governing federal revenues and spending. Budget projections grow increasingly uncertain as they extend farther into the future, so this report focuses largely on the next 25 years.
One scenario, the extended-baseline scenario, adheres closely to current law. That set of policies would result in steadily higher average tax rates because they incorporate the assumptions that most of the tax cuts enacted in 2001 and 2003 expire and that the alternative minimum tax applies to more and more people each year—and because the combination of economic growth and the structure of the tax system generates additional tax revenues as a percentage of income. Those rising rates, combined with the tax provisions of the recent health care legislation, would push total revenues to 23 percent of GDP by 2035—much higher than has typically been seen in recent decades—and to larger percentages thereafter. At the same time, government spending on everything other than the major mandatory health care programs, Social Security, and interest on federal debt—activities such as national defense and a wide variety of domestic programs—would decline to the lowest percentage of GDP since before World War II. Despite those substantial revenue increases and constrained spending for a portion of the budget, the rising costs of health care programs and Social Security would lead to continued budget deficits, and federal debt held by the public would grow from an estimated 62 percent of GDP this year to about 80 percent by 2035.

The budget outlook is much bleaker under the alternative fiscal scenario, which incorporates several changes to current law that are widely expected to occur or that would modify some provisions of law that might be difficult to sustain for a long period. In this scenario, CBO assumed that Medicare’s payment rates for physicians would gradually increase (which would not happen under current law) and that several policies enacted in the recent health care legislation that would restrain growth in health care spending would not continue in effect after 2020. In addition, under the alternative scenario, spending on activities other than the major mandatory health care programs, Social Security, and interest would fall below the average level of the past 40 years relative to GDP, though not as low as under the extended-baseline scenario.
More important, CBO assumed for this scenario that most of the provisions of the 2001 and 2003 tax cuts would be extended, that the reach of the alternative minimum tax would be kept close to its historical extent, and that over the longer run, tax law would evolve further so that revenues would remain at about 19 percent of GDP, near their historical average.
Under that combination of policy assumptions, federal debt would grow much more rapidly than under the extended-baseline scenario. With significantly lower revenues and higher outlays, debt would reach 87 percent of GDP by 2020, CBO projects. After that, the growing imbalance between revenues and non interest spending, combined with spiraling interest payments, would swiftly push debt to unsustainable levels. Debt as a share of GDP would exceed its historical peak of 109 percent by 2025 and would reach 185 percent in 2035.
Neither of those scenarios represents a prediction by CBO of what policies will be in effect during the next several decades—but these projections, encompassing two very different sets of policy assumptions, provide a clear indication of the serious nature of the fiscal challenge facing the nation.

Either baseline has us at unsustainable debt levels over the 70% death mark as stated by over 400 renowned historical economists, once reached and held for approximately 2 years every great civilization has collapsed upon itself!

But then everyone even some of the main sewer media was giving the Obamacare budget revised numbers air time so change of tack.

The Medicare & Medicaids new Director Dr. Donald "death panel" Berwick:

First in typical fascist manner he was thrown at us by Shifty the wannabe Hitler of the 21st. Century.(speaking of which I might have to do my next blog on the 700+% increase in the fundamentalist Christians belief Shifty aka Obama is really the Anti Christ, pretty amazing stuff if that's your beliefs) during Congressional recess last week and a lot of great conservatives like the 40% majority of us that call ourselves Americans, beat me to it again:

For the liberals who have difficulty with the written word some videos of the new Medicare Czar espousing the socialist fascist dogma of your party!

http://www.youtube.com/watch?v=r2Kevz_9lsw
http://www.youtube.com/watch?v=SSauhroFTpk
http://www.youtube.com/watch?v=04_BTztNFCI&feature=PlayList&p=29C1388662892179&playnext_from=PL&playnext=1&index=28
http://www.youtube.com/watch?v=9MC5tLl3pmc

This guys own words do a far better job of espousing his and this fascist regimes agenda far better than I could. Here is the reason for their choice of "Death Panel Don" as director; they need a hatchet man.

The highest expenditures in the average humans life for health care occurs within the last 5 years of that persons existence.
http://www.ncoa.org/enhancing-economic-security/
As a member of this and many other senior advocacy groups other than AARP I have found numerous articles and white papers showing the economic costs to a persons financial stability from catastrophic medical costs. I have been blogging it for years now. You can go back and read for yourself what the numbers say, but this is more than numbers, this is their one and only chance to create the modern "Fatherland" the "Herrenvolk" the master race if you will.

As hard as it seems to believe think all that is now coming to light about their socialist fascist agenda and how every new bill or regulation or Czar puts another small segment of our economy under their control.
If you think for a moment that this is the end and you have nothing more to worry about from Obamacare, then think again. They still have 784 more oversight committees to assemble and place their people in charge of!

And if you think for a moment that they are not going to move this into socialized state run health care think again. With the financial reforms required from the bill the insurance companies are sending agents and brokers like myself letters stating that the commission rates are being cut in half to accommodate the new 80% minimum loss ratio requirement.
Now I am sure a lot of you think "good he makes a lot of money it won't hurt that much".
First and foremost I get paid on a diminishing commission scale with the highest rate paid (approx. 15-20% of the premium) the first year and it decreases to half or less and goes away after 5-7 years.
I spend 58% of my income creating new sales, I spend 8-10 hours daily in contacting and engaging prospective clients, I spend 24% of my income for federally required programs and insurances. I make less than a federal employee with a 10th. grade education and I am required to re-certify with Medicare every year as well as the State Insurance Commissions and the SEC.(plus 48 hours of CE as well)
This is how they are forcing me and every other agent out of the business and handing the health insurance industry over to the government, it is a designed plan of action. (again pull up my archives to see this back in 03/2009 and in several more entries.)

Ask any senior who has had to deal with CMS (Center for Medicare&Medicaid Services) customer service system or better yet go to my website and see the endorsements page and see the letter from Mrs. K ( http://westbrookinsurance.net/ ) It took 8 months to get her reinstated into Medicare because they couldn't figure out which of her 2 late husbands accounts to credit her benefits too.(and the sad thing is she worked her whole life and should have been the primary anyway). These incompetent bureaucrats are now part of the most insidious and dangerous class in this country and they have grown and festered like a viral infection until it now is killing the body whole.
We now have a fascist monarchy with a ruling class, the political class of society. If you don't think we have it just look at all the video of how these "Elected Officials" act when confronted by the voters "Their Bosses", latest example Pete Stark of Ca.:
http://www.zerohedge.com/article/congressman-pete-stark-explains-leverage-tells-reporter-get-fuck-out

By the way Pete I have multiple post graduate degrees and understand completely what you and the traitorous scum you associate with are up to fiscally, come and get some PUNK!

We are at a crossroads that we have not seen in the 228 years since the Revolution ended and we gained our sovereignty, and that is what is at stake the sovereign rights of every individual to succeed or fail based on a FREE ECONOMIC SYSTEM BASED ON EQUALITY!

I am reading "The Road to Serfdom" by F.A. Hayek an economist from the late 19th. to mid 20th. century and he lived to see the birth of the economic planning socialist movement destroy many countries in his lifetime.
In the chapter Who, Whom he delves into Lenin's phrase "who,
whom"? " Who plans whom, who directs and dominates whom, who assigns to other people their station in life, and who is to have his due allotted by others?"

We now can answer that question here in the former Republic of the United States, our new political class: Our elected officials!
What have we allowed our country to become?
And to be ruled by men such as these men now!

We used to have these:

"No man thinks more highly than I do of the patriotism, as well as abilities, of the very worthy gentlemen who have just addressed the House. But different men often see the same subject in different lights; and, therefore, I hope that it will not be thought disrespectful to those gentlemen, if, entertaining as I do opinions of a character very opposite to theirs, I shall speak forth my sentiments freely and without reserve. This is no time for ceremony.

The question before the House is one of awful moment to this country. For my own part I consider it as nothing less than a question of freedom or slavery; and in proportion to the magnitude of the subject ought to be the freedom of the debate. It is only in this way that we can hope to arrive at truth, and fulfill the great responsibility which we hold to God and our country. Should I keep back my opinions at such a time, through fear of giving offense, I should consider myself as guilty of treason towards my country, and of an act of disloyalty towards the majesty of heaven, which I revere above all earthly kings.

Mr. President, it is natural to man to indulge in the illusions of hope. We are apt to shut our eyes against a painful truth, and listen to the song of that siren, till she transforms us into beasts. Is this the part of wise men, engaged in a great and arduous struggle for liberty? Are we disposed to be of the number of those who, having eyes, see not, and having ears, hear not, the things which so nearly concern their temporal salvation?

For my part, whatever anguish of spirit it may cost, I am willing to know the whole truth -- to know the worst and to provide for it. I have but one lamp by which my feet are guided; and that is the lamp of experience. I know of no way of judging of the future but by the past. And judging by the past, I wish to know what there has been in the conduct of the British ministry for the last ten years, to justify those hopes with which gentlemen have been pleased to solace themselves and the House?

Is it that insidious smile with which our petition has been lately received? Trust it not, sir; it will prove a snare to your feet. Suffer not yourselves to be betrayed with a kiss. Ask yourselves how this gracious reception of our petition comports with these warlike preparations which cover our waters and darken our land. Are fleets and armies necessary to a work of love and reconciliation?
Have we shown ourselves so unwilling to be reconciled that force must be called in to win back our love? Let us not deceive ourselves, sir. These are the implements of war and subjugation -- the last arguments to which kings resort. I ask gentlemen, sir, what means this martial array, if its purpose be not to force us to submission? Can gentlemen assign any other possible motives for it? Has Great Britain any enemy, in this quarter of the world, to call for all this accumulation of navies and armies?
No, sir, she has none. They are meant for us; they can be meant for no other. They are sent over to bind and rivet upon us those chains which the British ministry have been so long forging. And what have we to oppose to them? Shall we try argument? Sir, we have been trying that for the last ten years. Have we anything new to offer on the subject? Nothing.

We have held the subject up in every light of which it is capable; but it has been all in vain. Shall we resort to entreaty and humble supplication? What terms shall we find which have not been already exhausted? Let us not, I beseech you, sir, deceive ourselves longer.

Sir, we have done everything that could be done to avert the storm which is now coming on. We have petitioned; we have remonstrated; we have supplicated; we have prostrated ourselves before the throne, and have implored its interposition to arrest the tyrannical hands of the ministry and Parliament.

Our petitions have been slighted; our remonstrances have produced additional violence and insult; our supplications have been disregarded; and we have been spurned, with contempt, from the foot of the throne. In vain, after these things, may we indulge the fond hope of peace and reconciliation. There is no longer any room for hope.

If we wish to be free -- if we mean to preserve inviolate those inestimable privileges for which we have been so long contending -- if we mean not basely to abandon the noble struggle in which we have been so long engaged, and which we have pledged ourselves never to abandon until the glorious object of our contest shall be obtained, we must fight! I repeat it, sir, we must fight! An appeal to arms and to the God of Hosts is all that is left us!

They tell us, sir, that we are weak -- unable to cope with so formidable an adversary. But when shall we be stronger? Will it be the next week, or the next year? Will it be when we are totally disarmed, and when a British guard shall be stationed in every house? Shall we gather strength by irresolution and inaction? Shall we acquire the means of effectual resistance, by lying supinely on our backs, and hugging the delusive phantom of hope, until our enemies shall have bound us hand and foot?

Sir, we are not weak, if we make a proper use of the means which the God of nature hath placed in our power. Three millions of people, armed in the holy cause of liberty, and in such a country as that which we possess, are invincible by any force which our enemy can send against us. Besides, sir, we shall not fight our battles alone. There is a just God who presides over the destinies of nations, and who will raise up friends to fight our battles for us.

The battle, sir, is not to the strong alone; it is to the vigilant, the active, the brave. Besides, sir, we have no election. If we were base enough to desire it, it is now too late to retire from the contest. There is no retreat but in submission and slavery! Our chains are forged! Their clanking may be heard on the plains of Boston! The war is inevitable -- and let it come! I repeat it, sir, let it come!

It is in vain, sir, to extenuate the matter. Gentlemen may cry, "Peace! Peace!" -- but there is no peace. The war is actually begun! The next gale that sweeps from the north will bring to our ears the clash of resounding arms! Our brethren are already in the field! Why stand we here idle?

What is it that gentlemen wish? What would they have? Is life so dear, or peace so sweet, as to be purchased at the price of chains and slavery? Forbid it, Almighty God!

I know not what course others may take; but as for me, give me liberty, or give me death!"

Patrick Henry - March 23, 1775

In Freedom;

Dr. Keith C. Westbrook Ph.D.





Friday, June 18, 2010

With Obamacare America is now a Fascist State!

Obama care is now the foundation of the new Socialist State of America as designed and planned for by the progressive socialist democratic party now ruining this former Republic!

Now I know the aforementioned individuals will scream that this is a lie so lets start with multiple definitions of the noun fascism:

Miriam Websters Modern Dictionary:
fas·cism
Date: 1921
1 often capitalized : a political philosophy, movement, or regime (as that of the Fascisti) that exalts nation and often race above the individual and that stands for a centralized autocratic government headed by a dictatorial leader, severe economic and social regimentation, and forcible suppression of opposition.
2 : a tendency toward or actual exercise of strong autocratic or dictatorial control
— fas·cist \-shist also -sist\ noun or adjective often capitalized
— fas·cis·tic \fa-ˈshis-tik also -ˈsis-\ adjective often capitalized
— fas·cis·ti·cal·ly \-ti-k(ə-)lē\ adverb often capitalized

From Wikipedia:
What constitutes a definition of fascism and fascist governments is a highly disputed subject that has proved complicated and contentious. Historians, political scientists, and other scholars have engaged in long and furious debates concerning the exact nature of fascism and its core tenets.
Most scholars agree that a "fascist regime" is foremost an authoritarian form of government, although not all authoritarian regimes are fascist. Authoritarianism is thus a defining characteristic, but most scholars will say that more distinguishing traits are needed to make an authoritarian regime fascist.
Similarly, fascism as an ideology is also hard to define. Originally, "fascism" referred to a political movement that was linked with Sindicalist-Corporativism that existed in a single country (Italy) for less than 30 years and ruled the country from 1922 to 1943 under the leadership of Benito Mussolini. Clearly, if the definition is restricted to the original Italian Fascism, then "fascism" has little significance outside of Italian politics. Most scholars prefer to use the word "fascism" in a more general sense, to refer to an ideology (or group of ideologies) that was influential in many countries at many different times. For this purpose, they have sought to identify a "fascist minimum" - that is, the minimum conditions that a certain political group must meet in order to be considered fascist. Several scholars have inspected the apocalyptic, millennial and millenarian aspects of fascism.[1][2][3][4][5][6][7] According to most scholars of fascism, there are both left and right influences on fascism as a social movement, and fascism, especially once in power, has historically attacked communism, conservatism and parliamentary liberalism, attracting support primarily from the "far right" or "extreme right."

From Dictionary.com:
fas·cism 
1.
( sometimes initial capital letter ) a governmental system led by a dictator having complete power, forcibly suppressing opposition and criticism, regimenting all industry, commerce, etc., and emphasizing an aggressive nationalism and often racism.
2.
( sometimes initial capital letter ) the philosophy, principles, or methods of fascism.
3.
( initial capital letter ) a fascist movement, esp. the one established by Mussolini in Italy 1922–43.

The first thing that should strike you factually is the lack of variation in the description of a totalitarian ruling body led by a figure head. What is not as clear is that they do not show other dictators who were fascist leaders because of the "political system" in place.
Besides Mussolini many agree that Stalin, Hitler, Tojo, Moa, Castro, Chavez, PolPot and many many more were defined by their brutality as Fascist dictators.
http://www.moreorless.au.com/killers/

But you say they are not Fascists or even Socialists they are just progressives out for a good time and to cure the ills of our "misguided nation". Here are the real facts in history for proof.
Historical facts, not the crap that the federalized union thugs have been forcing down the collective throats of Americans since the birth of the Dept. of Ed. and it became the centralized controller of education.(I thank God that I was finished with "formal" Education by then and it was parochial to boot)

Every single Fascist Dictator was born out of a progressive movement based on Social Justice and liberal ideas. Again the list above shows this fact, but to make it easier for our liberal socialist friends we will elaborate: With their heros.
"Fascism is capitalism in decay."-- Vladimir Ilyich Lenin
"Under socialism all will govern in turn and will soon become accustomed to no one governing."- Vladimir Ilyich Lenin
The entire purpose to the socialist movement is the planned progression to Communism, hence the term movement. It is a transitional ideology that has 2 historical intended outcomes, fascism or communism.

From Wikapedia:
Communism as an economic and political ideology that argues capitalism is an evil and must be overthrown by the workers; the Communist party is the leader of the workers in this endeavor. Modern Communism grew out of the work of Karl Marx and Friedrich Engels after 1848. Marx developed the theory of what was later called dialectical materialism, which saw the material conditions of existence as determining the values of a society, and argued that the entirety of history was the history of struggle between social classes. Marx argued that the dialectic of history required the workers to overthrow the capitalist class, which would result in the emergence of a "classless society".
Marx's ideas were first put into practice in the wake of Russia's October revolution of 1917, where the Communist Party, under the leadership of V. I. Lenin, overthrew the unstable democratic government which had replaced the Tsar. The country was renamed the Union of Soviet Socialist Republics. Other countries which came under Communist rule were the nations of Europe which the U.S.S.R. conquered in World War II (Estonia, Latvia, Lithuania, Poland, Czechoslovakia, Hungary, Romania, Bulgaria), those taken over by Communist partisans during the retreat of the Nazis, Yugoslavia and Albania, and Cambodia, which became Communist during the Vietnam War. Countries which became Communist-ruled and remain so include the People's Republic of China (though the Communist Party there no longer adheres to socialist economic policy), North Korea, Vietnam (which is also moving away from socialism), Laos, and Cuba. In Africa, Ethiopia, Somalia, Angola and Mozambique had governments which claimed to be Communist, and which were supported by the U.S.S.R., but those governments were more similar to non-Communist African dictatorships than to European or Asian communist governments.
Communist rule has frequently been accompanied by large scale starvation as a tool of policy, concentration camps for political opponents of the Communist government, genocide of minority groups, and mass executions. The Black Book of Communism estimates that over one hundred million people were killed by Communist governments in the 20th. Century.

In every instance above these people started out with Social Justice as their "guiding principle". They have then proceeded to reign a combined mass genocide of over 180 million people in just the 20th. Century. All of it started with liberal socialists wanting to change an injustice they felt they could change: man's suffering!

All of the dictatorial regimes above have used that suffering and poor health conditions as their rallying cry to ascend to political power!
And all have created more death and suffering then they ever cured.
They hjave all, once in power used that power to increase not decrease the suffering of the same people they swore to help. And all have disregarded the existing rules of law when implementing their strategy for social reform with the excuse the reform was of a higher calling to their citizens then the law itself. And the problem has existed since the Greeks invented the Democratic Rule of Law.

The following is a treatise on this from noted economist Pierre Lemieux:
http://www.pierrelemieux.org/artsocialized-IBL.pdf
It is a great piece that you need to read to see first hand the social and economic facts that socialized medicine has created in it 117 year modern history.

"The basic problem of health care is the typical economic problem of virtually infinite wants chasing scarce resources. What are the best social institutions to deal with this problem? Is socialized medicine or the free market more efficient? In this paper, I will review the often overlooked problems of socialized medicine."
"Socialized medicine as we know it today appeared in Germany in 1883,
when Chancellor Otto von Bismark introduced a host of social measures that included compulsory public health insurance for factory and mine workers. By 1911, the original act had been extended to nearly all employees. Similar health insurance legislation was soon introduced in other countries, including Austria in 1888, Hungary in 1891, Luxembourg in 1901, Norway in 1909, Serbia in 1910, Great Britain in 1911, Russia in 1912, and Romania in 1913. Before the creation of public health insurance, workers in England, America, France – and, I suppose, in other countries – relied on voluntary mutual aid societies to help with expenses related to illnesses, accidents, and death. The first public health insurance programs for workers crowded out the mutual aid societies, and prevented the development of other private means for coping with catastrophic events. Some Welfare State justified more Welfare State."
Please read more at:http://www.pierrelemieux.org/artsocialized-IBL.pdf

His summary says it all:
"It is banal to say that no system is perfect, but it is still true. In fact, “perfect” cannot even be defined, except from a philosopher-king’s viewpoint, for the simple reason that individual preferences are different, and every individual has his own opinion about what would be a perfect health system. However, economic analysis strongly suggests that political and bureaucratic processes will not produce better outcomes than individual choices and free-market competition. The main failures of socialized medicine are fourfold:
(1) it is an inefficient rationing system;
(2) it is economically costly;
(3) it is inequitable; and
(4) it dangerously increases state power.
A fifth danger should be added. The more a country has moved towards socialized medicine,the more it becomes impossible to question it because it creates constituencies that will resist change (people who make a living out of the system, and individuals who rely on the system because they have not purchased private insurances when they were younger or in good health), and because it changes people’s preferences towards state solutions. As Bismarck suggested, socialized medicine leads people to consider the state a benevolent big brother."

We have repeated this cycle for over 3000 years and it has created the fall or, at the very least started the advance of the fall of the greatest Democratic civilizations in history. Nations and this world have gone to war to gain the economic power to support their socialist agenda's.
When any countries debt has grown to over 70% of its Gross Domestic Product it has collapsed and failed.
If you have read HR3590 then you know it is just the first step to full blown socialized medicine in this country, which is economically unsustainable even for us.
(And if you haven't, then read my preceding blogs and get yourself up to speed, the links to all 5 versions of the heinous piece of legislation are there).

In Summary:
Obama's real agenda through health care control is the restructuring of this country to a fascist state. His socialist agenda is a tried and true documented path to this end.
His regimes intentions are clear and his actions speak what his words do not! Since taking his oath of office, (which was another lie) he has systematically attacked our way of life.
In recent actions and with zero regard for the Constitution and its Rules of Law, Obama has taken it upon himself to disregard our most sacred of documents and what defines us as a nation, and wipe his ass with it and our freedoms that it defines.
He has exhibited personality traits that everyone of the aforementioned dictators exhibited in their political careers while gaining power, until they were removed by force or died!

HR:3590 is the foundation for his regime's ability to effect mass change through health care control of the population, as outlined above to be a COMMON ACTION by totalitarian dictators to prevent social upheaval.
He has with this bill taken over 1/6, 18% of our economy! Along with the All the other industries he has or is legislating control over!
Putting 78% of our economy under government control is fascism, the government control over private enterprise!

From Dictionary.com:
fas·cism: 
1. a governmental system led by a dictator having complete power, forcibly suppressing opposition and criticism, regimenting all industry, commerce, etc., and emphasizing an aggressive nationalism and often racism.

And the next stop on this runaway train is up to us, it is time to hit the brakes and end this madness, and most importantly:
NEVER ALLOW IT TO HAPPEN AGAIN!

In Freedom to all,

Dr. Keith C. Westbrook PhD.
















Thursday, May 6, 2010

The Top Governemnt Lies About the Health Care Bill! Part 2.

" If you like your doctor, like your health plan you can keep it"

The lie above was re-iterated by Shifty aka. POTUS in 57 Speeches and more than 150 remarks: http://www.youtube.com/watch?v=bHQ3YWcCxHA&feature=related

Here is the lie from Shifty himself from several of those speeches:
http://www.youtube.com/watch?v=DXqKp5B0ZLE&feature=related

Now unless you are living on another planet or oxygen deprived like the liberal elitists that rammed this legislation down America's collective throats, the bill is going to raise the costs and raise the premiums:http://www.youtube.com/watch?v=1AocglzP9kM

The news every day is now showing the backlash from Americans rejecting Liberal Fascism and the Socialist programs they are in love with. Every day more politicians are "retiring" before facing the firing squad of this November's election's!
(And in my opinion as well as with many other conservative Americans, they are showing their true cowardice in their inability to face the people they screwed with this bill.)

Here are the facts that WILL change Individual and Group plans:
http://www.govtrack.us/congress/bill.xpd?bill=h111-3590

Timeline for Changes:
Get a free copy of the timeline here:
http://www.insnewsnet.com/HealthCareReform.asp?ccd=647

2010:

Under the new law, individuals and employers/employees have the right to keep the coverage they had as of March 23, 2010 and are exempt from many reforms. These individual and group health plans are considered “grandfathered plans.” Collectively bargained plans that were ratified before the date of enactment are grandfathered until the date that the last collective bargaining agreement related to coverage ends. This also applies to changes made by your employer to group coverage. make one change and you lose "grandfather status."

The Department of Health and Human Services (HHS) will establish a process for federal review of fully insured premium rate increases.

By July 1, an Internet portal will be created for consumers and small businesses to shop for health Insurance.

Starting July 1, 2010, imposes a 10 percent tax on tanning services.

$5 billion has been appropriated to create a temporary high-risk insurance pool to help adults with pre-existing conditions get coverage if they have been uninsured for six months. The program will be effective through 2013.

A temporary reinsurance program will be established for employers providing coverage to early retirees over age 55 who are not eligible for Medicare. The federal government will provide $5 billion to fund the program.

Plans may not impose lifetime limits on the dollar value of essential benefits. Annual limits will be restricted (to be determined by HHS). Restricted annual limits do not apply to grandfathered individual plans.

No rescission's are permitted, except in cases of fraud or intentional misrepresentation.

Children may stay on their parents’ policies until age 26 if coverage isn’t available through their work, regardless of their marital status. Any employer contribution toward the premium is a tax-deductible business expense for the employer and not taxable income for the member.

Plans may no longer impose pre-existing condition exclusions for children under 19(does not apply to grandfathered individual plans).
Effective for new plans and plans renewed six months after the law’s enactment date (does not include “grandfathered plans”):

New policies must cover the full cost of preventive care as recommended by the U.S. Preventive Services Task Force, recommended immunizations, preventive care for infants, children and adolescents, and additional preventive care for women.

New minimum requirements for internal and external claims appeals processes.

Plans that require or provide for a primary care provider (PCP) designation must allow each member to designate any in-network PCP, or pediatrician for children, accepting new patients.

Plans may no longer require an authorization or referral to an Ob-Gyn. Prior authorization or increased cost-sharing for emergency services is also prohibited.

Nondiscrimination rules that apply to self-funded health plans are expanded to group fully insured health plans. Plans cannot base an employee’s eligibility or continued eligibility on hourly or annual salary.

Beginning in 2010, small businesses with fewer than 25 employees and average wages of less than $50,000 get a tax credit for their contributions to buying health insurance for employees.
The tax credit starts at up to 35 percent and increases to 50 percent in 2014 when the exchange is operational. A full tax credit may be available to small businesses with fewer than 10 employees and average wages of less than $25,000


2011:

Beginning in 2011, employers will be required to disclose the value of health care benefits on an employee’s annual W-2.

Employers will be required to notify employees: About the availability of the exchange, for new employees, at the time of hiring; for current employees, by March 1, 2013;
They may be eligible for a subsidy under the exchange if the employer’s contribution to the plan is less than 60 percent of total allowed costs of the benefits;
If the employee purchases coverage in the exchange, he or she will lose the employer’s coverage contribution.

Beginning in 2011, the pharmaceutical industry will pay annual industry fees. The fee will be phased in and will hold steady at $2.8 billion a year after 2019.

An insurer must publicly report on its MLR and spend at least 85 percent of large group premiums and 80 percent of individual and small group premiums on medical services, or provide rebate payments to enrollees.

Health savings accounts (HSAs) and flexible spending accounts (FSAs) may no longer be used to purchase over-the-counter drugs unless prescribed by a doctor. Increases tax for non qualified HSA withdrawals from 10 percent to 20 percent, and for Archer MSA withdrawals from 15 percent to 20 percent.

HHS is required to study the group health plan markets to compare employer characteristics and determine whether the new insurance market reforms are likely to cause adverse selection in the large group market or to encourage small and midsized employers to self-insure. HHS and the Department of Labor must also collect information on self-funded plans. These studies could lead to additional employer reporting requirements.

Within 12 months of the law’s enactment, HHS, in consultation with the National Association of Insurance Commissioners, will develop uniform standards and definitions for summaries of benefits and coverage explanations. Within 24 months of enactment, group health plans must provide enrollees and applicants with coverage documents that meet these standards.

2012:

A new fee is imposed on individual and group health plans to fund comparative effectiveness research ($1 per participant through 2013; $2 per participant through 2019).

The private sector may purchase standardized data extracts of Medicare Parts A, B and D claims data to combine with their own claims data to evaluate provider performance measures on quality, efficiency, and the effectiveness of care.

2013:

Beginning in 2013, manufacturers of medical devices will pay a 2.3 percent excise tax on sales of medical devices.

Beginning in 2013, the Medicare payroll tax rate will increase by 0.9 percent for individuals who make more than $200,000 and couples that make more than $250,000.

A new 3.8 percent tax will be added on income from interest, dividends, annuities, royalties and rents for those at the same income threshold.

Contributions to flexible spending accounts are limited to $2,500 a year.

2014:


Beginning in 2014, a non-deductible premium tax will be imposed on insurers ($8 billion
in 2014, $11.3 billion in 2015 and 2016, $13.9 billion in 2017 and $14.3 billion in 2018.
After that, it will increase in an amount proportional to overall premium growth).


Everyone must have coverage or pay a penalty, which will be enforced by the Internal Revenue Service. The penalties will be phased in over time: an individual without insurance must pay whichever amount is greater: $95 or 1 percent of income.

Employers don’t have to offer their employees health insurance coverage, but most of them with more than 50 employees will pay an assessment if they don’t, or if they offer coverage that isn’t affordable. Full-time and part-time employees are included when determining whether an employer has 50 employees (based on current full-time employee equivalency rules).
http://www.dol.gov/dol/topic/workhours/parttimeemployment.htm

Employers with 50 or more employees that do not offer “minimum essential coverage” will pay $2,000 for each employee over the first 30 employees if one of their employees gets a tax subsidy to buy insurance under an exchange. Everyone must be in the plan or the employer pays a penalty!

Employers with 50 or more employees that do offer minimum essential coverage but have
at least one full-time employee receiving subsidized coverage under an exchange, will pay whichever is less: $3,000 for each employee receiving a premium credit, or $2,000 for each full-time employee.
Again if 1 person opts out the employer is penalizedfor every employee.

Employers must provide “free choice” vouchers to employees with incomes below 400 percent of the federal poverty level if the employee’s contribution to coverage is between 8 percent and 9.8 percent of income and the employee chooses to purchase coverage in the exchange. No penalties will be imposed on employers with respect to employees who receive these vouchers. Employers with more than 200 employees that offer coverage must automatically enroll new full-time employees in coverage. Employees may opt out.

Large employers will be subject to expanded 5500 reporting requirements to include information on the health insurance coverage of their employees.

Individual and group health plans can no longer impose pre-existing condition exclusions for any person of any age (does not apply to grandfathered individual plans).

Annual limits on essential health benefits are prohibited (does not apply to grandfathered individual plans).


Health insurers must accept every individual and employer who applies for coverage.

Rating restrictions go into effect for new fully insured small group plans.
Insurance companies cannot base premiums on health status, claims experience
or gender. Premiums can only vary by:
– Age (no more than 3:1)
– Geography
– Family size
– Tobacco use (no more than 1.5:1)

States are allowed to merge the individual and small group markets.

Coverage of routine patient care costs is mandated for participation in approved clinical trials (does not apply to grandfathered plans).

State health insurance exchanges are up and running for small businesses and individuals to buy insurance. States can allow large employers to participate beginning in 2017.

HHS will establish procedures, which may include rate schedules for broker commissions, for a state to allow brokers to: Enroll individuals in any qualified health plans in the individual or small group market as soon as the plan is offered through an exchange in the state; assist individuals in applying for premium tax credits and cost-sharing assistance for plans sold through an exchange.

Essential benefit plan is created, which mandates the level of benefits that must be included in plans offered in the exchange, as well as in the individual and small group markets outside the exchange. Deductibles are limited to $2,000 for individuals and $4,000 for families in the small group market (self-funded plans and grandfathered plans are exempt from this requirement).

There will now be a Cafeteria plan system offering 4 plans: Bronze, Silver, Gold and Platinum with coverage for the co-insurance amount ranging from a 80-20 to 100-0 and limits for Maximum Out Of Pocket or MOOP to individual 0f $5,000 and family $10,000.
Currently the fewest amount of health plans I can offer anyone from any of the 8 companies I broker is 12 and the most 1100. If you currently have a plan you like through your employer and you leave, your coverage ends and you are now subject to the new rules.

If you own your own coverage it must conform to the new plan guidelines or it WILL BE CHANGED as mandated by the bill.

HSA's & FSA's contribution's are to be frozen and they are now examining and redefining what a "qualified expense" will be. Current contribution limits for HSA's are individual $3,000 & family $6150 and FSA is $2500 per person.

Waiting periods cannot exceed 90 days.

Expands health plan wellness incentives up to 30 percent of total coverage costs(up to 50 percent with HHS approval).

A temporary reinsurance program will be established for the individual market and funded by individual and group health plan assessments ($25 billion in 2014-2016).
(If you are not in the insurance or financial industry, a re-insurer is a company or entity that insures a primary insurance companies exposure to loss by owning the rights to that portfolio should it financially default). This is where the Single Payer System becomes FACT! Nowhere in the bill have they idetified that this will be a privatized program, it will be the Government!
ANOTHER LIE:
I will not raise taxes on anyone making less than $250,000 per year!
Every tax on any product or service is passed on to the consumer, economics 101!


In Summary:

If you have individual coverage in force before the bill was signed and you NEVER make any changes to that coverage then you may be allowed to maintain that policy if the review boards and your insurance company DEEM it credible (and you can afford the premium hikes coming). The insurance reviews that will be permanently created to "study" insurance plans effectiveness have the authority to force a carrier to adapt plan coverage to meet its guidelines. This means that existing policies now such as High Deductible Health Plans for catastrophic coverage or Limited Benefit Plans, must be changed to meet new requirements of the bill!

If you have group health coverage in place before the bill was signed and the plan administrators or your employer NEVER makes any coverage changes to the plan, then it too may stay in force. But those plans are also subject to the same governement oversight as individual plans and both will be combined into the "exchanges" when they are approved and this will force many group plans to go into them to find cost effective coverage.

This was the case in Massachusetts when they enacted this legislation in 2006 and within 1 year only 4 insurance companies were still writing policies in that state.

Lets look at Massachusetts for a snapshot of how this legislation is working there:

Mark S. Gaunya, president of the Massachusetts Association of Health Underwriters, explains how Massachusetts’s system is in danger of collapsing because it did little to control costs.
“Initially, MassCare was expected to cost $88 million a year — but today the Massachusetts health care budget exceeds $4 billion, and our fiscal budget for 2011 is underfunded by $294 million because of this law,” Gaunya says. “Simply put, Massachusetts can’t afford it.”
The system’s weak individual mandate is also forcing insurance companies to take the sickest and most expensive residents while healthy people go without insurance until they absolutely need it, driving up costs for all the other residents who buy health insurance.
To see why Massachusetts’s system is self-destructing and what lessons we should all be learning, click here:http://www.masstaxpayers.org/files/Health%20care-NT.pdfOr click here for Mass. HC timeline:http://www.masstaxpayers.org/files/Health%20law%20costs%20aren.pdf

The same legislative loopholes exist in this bill with one indisputable result: higher premiums for those people who need coverage and can afford the skyrocketing premiums or Medicaid style health care for those who cannot.

This plan even received a negative rating from Medicare's Chief Actuary Richard S. Foster on 04/22/2010, he stated that premiums could see annual rate increases of 12-17% or higher due to the bill. Also in their assessment they acknowledged that the resulting compensation cuts in Medicare and Medicaid would result in a 15% drop in providers and hospitals and that number was conservative.
Also what most people are not privy to is that most insurance companies use the Medicare Fee For Service Schedule as the base line for negotiating reimbursement rates with doctors and hospitals. With the drastic cuts necessary, the health care system will become two tiered, those that can afford private care and the other 90% of us using public care. Yes that is what this bill creates a public care system or one step closer to their real goal: Socialized Medicine!

So will you be allowed to keep your doctor or plan if you want to, that depends on if your doctor is willing or able to accept a 30% cut in pay and if your plan meets federal guidelines for coverage, you NEVER change it, you can afford to pay 100% more for it in 4 years or your employer is willing to provide health insurance instead of saving the money and just paying the penalties which would save them 150%!

Sure Why Not?


In Freedom to all Americans,

Dr. Keith C. Westbrook Phd.



Thursday, April 15, 2010

The Top Government Lies About The Health Care Bill

I am not going to try and list all of the lies and misinformation that Shifty & Gang have been espousing to the populace through their propaganda machine aka. the "main stream media".
As always the facts speak much louder than the regurgitated rhetoric of the mindless minions that they represent.

The first lie we will bust is the most important of them all!

1. The Changes to Medicare this bill creates and their timeline: http://www.cbo.gov/ftpdocs/113xx/doc11379/Manager
This is directly from HR#3590

Calendar 2010 changes:
Medicare cuts to inpatient psych hospitals. (7/1/10)

Calendar 2011 changes:
Medicare Advantage cuts begin.
Medicare cuts to home health begin.
Wealthier seniors ($85k/$170k) begin paying higher part D premiums.
Medicare reimbursement cuts when seniors use diagnostic imaging like MRIs, CT scans etc.
Medicare cuts to ambulance services, ASCs, diagnostic labs, and durable medical equipment.
Health plans required to spend a minimum of 80% of premiums on medical claims. (Eventually driving them out of business)
Prohibition on Medicare payments to new physician-owned hospitals.
Seniors prohibited from purchasing power wheelchairs unless they rent for 13 months.
New Medicare cuts to long-term care hospitals begin. (7/1/11)
New tax on all private health insurance policies to pay for government subsidized option and to research its competitive effectiveness.(plans become effective in 2012) The 3.8% Medicare surtax would hit average, middle-class investors who happen to sell real estate for a significant gain in any particular year. Also being taxed are IRA’s, Annuities, and pension plans.

Calendar 2012 changes:
Medicare cuts to dialysis treatment begins.
Medicare to reduce spending by using an HMO -like coordinated care model.
New Medicare cuts to inpatient psych hospitals. (7/1/12)
Medicare cuts to hospitals with high readmission rates begins.
Additional Medicare cuts to hospitals and cuts to nursing homes and inpatient rehab facilities begin.
Medicare cuts to hospice begins

Calendar 2013 changes:
Eliminate deduction for part D retiree drug subsidy employers receive.
Medicare cuts to hospitals who treat low-income seniors begins.

Calendar 2014 changes:
More Medicare cuts to home health begin.
Medicare payment cuts for hospital-acquired infections begins.

Calendar 2015 changes:
More Medicare cuts to home health begin.

One other note, with the loss of Medicare Advantage where will the early enrollees into Medicare ie: the disabled get affordable coverage? While only 27% of seniors use Medicare Advantage plans the utilization rate with early enrollees is 97%!

What all this means is that if you are a senior and will be forced to purchase another supplemental health insurance plan in lieu of Medicare Advantage you will not only have to pay a higher premium on the policy but in addition will be taxed on that plan. The limits being placed on reimbursement for seniors using advanced diagnostic methods will result in higher out of pocket costs or being denied the service.

Regardless of what Obama says you will be limited in your choice of physicians and hospitals as a result of prohibitions contained in the bill. Should you be fortunate enough to be considered a “Wealthy Senior” you will be penalized for your Medicare Part D coverage. Just another attempt by the socialists to redistribute what little wealth our seniors have accumulated through hard work all their lives.

Reading between the lines the message is loud and clear; “seniors no longer contribute, so their value to society should be proportionate to the health care they receive under Medicare”. This Law creates for seniors equals higher costs, limited access to services and ultimately rationed care.

As a health insurance agency owner that has helped hundreds of people through the decision making process of what Medicare coverage and plan fits best I have tried to provide planning and guidance. The federal government will provide neither!

Now what are the real costs for the above changes to Medicare well here is the Director of the CBO in his own words!
http://cboblog.cbo.gov/

I began by reviewing the budget estimates done by CBO and the staff of the Joint Committee on Taxation (JCT):
In combination, the initial legislation and the subsequent reconciliation act that modified it will generate changes in direct spending and revenue that will reduce federal deficits by $143 billion during the 2010-2019 period.

The legislation will increase the size of the federal budget by increasing outlays by $411 billion and revenues by $525 billion over the next 10 years (excluding the provisions of the reconciliation act related to education, which will reduce spending by about $19 billion over that period).

The legislation will increase the federal budgetary commitment to health care (the sum of net federal outlays for health programs and tax preferences for health care) by $390 billion over the next 10 years.
The legislation will reduce federal deficits during the decade beyond the 10-year budget window relative to those projected under current law—with a total effect in a broad range around one-half percent of GDP.

Then I discussed a number of challenges to those estimates:

Some observers have asserted that CBO and JCT have mis-estimated the effects of the changes in law. Concerns have been expressed in different directions—for example, some believe that subsidies will be more expensive than we project, while others maintain that Medicare reforms will save more money than we project.

o Our estimates reflect the middle of the distribution of possible outcomes based on our careful analysis and professional judgment, drawing upon relevant research by other experts. Nevertheless, estimates of the effects of comprehensive reforms are clearly very uncertain, and the actual outcomes will surely differ from our estimates in one direction or another.
Some observers have asserted that budget conventions hide or misrepresent certain effects of the law, such as its impact on future discretionary spending, its effect on the government’s ability to pay Medicare benefits, and its effects on the economy.

o The estimates I discussed above focus on direct spending and revenues because those are the figures that are relevant for the pay-as-you-go rules and those effects will occur without any additional legislative action. As CBO’s estimate noted, the legislation will lead to some increases in discretionary spending (that is, spending subject to future appropriation action) that are not included in the deficit figures cited above.

o The legislation will improve the cash flow in the Hospital Insurance trust fund (that is, Part A of Medicare) by more than $400 billion over 10 years. Higher balances in the fund will give the government legal authority to pay Medicare benefits longer, but most of the money will pay for new programs rather than reduce future budget deficits and therefore will not enhance the government’s economic ability to pay Medicare benefits.

o Following standard procedures for the Congressional budget process, the estimates do not include any effects of the legislation on overall economic output, although CBO wrote last summer about possible effects of health reform proposals on output.
Some observers have asserted that the law will be changed in the future in ways that will make deficits worse.

o CBO estimates the effects of proposals as written and does not forecast future policy changes. As is the case for many pieces of legislation, the budgetary impact of the health reform legislation could indeed be quite different if key provisions are ultimately changed.

o In fact, CBO’s cost estimate noted that the legislation maintains and puts into effect a number of policies that might be difficult to sustain over a long period of time. For example, the legislation reduces the growth rate of Medicare spending (per beneficiary, adjusting for overall inflation) from about 4 percent per year for the past two decades to about 2 percent per year for the next two decades.

It is unclear whether such a reduction can be achieved, and, if so, whether it would be through greater efficiencies in the delivery of health care or through reductions in access to care or the quality of care. The legislation also indexes exchange subsidies at a lower rate after 2018, and it establishes a tax on insurance plans with relatively high premiums in 2018 and (beginning in 2020) indexes the tax thresholds to general inflation.

In addition, some observers believe that, whether CBO and JCT’s estimates of the effects of the health reform legislation are accurate or not, the law misses critical opportunities to reduce future deficits. For example, some say that the legislation will hamper future deficit reduction by using spending cuts and extra revenues to pay for a new entitlement rather than existing entitlements, or that the legislation should have reformed health care delivery more significantly.

Of course, CBO does not make policy judgments or recommendations. However, we have frequently noted the long-run unsustainability of the nation’s current budgetary policies and indicated that using savings in existing programs to finance new programs would necessitate even stronger policy actions in other areas.

In December 2008, CBO released a report that included a wide range of options for changes in health policy, and in 2009, we published a volume presenting a variety of options for policy changes in other areas.
Posted in Budget Projections, Health Comments Off


Now here are facts about how they are going to pay for this atrocity or " How no one who earns under 200K will be taxed" is a LIE!

This is directly copied from the Joint Committee on Taxations evaluation of the bill's effect on all taxpayers: http://www.jct.gov/publications.html?func=startdown&id=3672

With the enactment of an enhanced federal role in medical care comes the need for revenue enhancement. The age of the Obama tax hikes has officially begun. The big news for high-income folks is a new 3.8% "Medicare" tax on investment income and an additional 0.9% Medicare tax on wages, both of which are to take effect in 2013.
But workers at all income levels could be squeezed by new limits on medical flexible spending accounts and medical deductions.

The 3.8% investment tax, combined with the expected (and Obama- favored) Jan. 1, 2011 expiration of the Bush tax cuts for high-income taxpayers, would produce a 2013 top federal income tax rate of 23.8% on long-term capital gains from the sale of securities, up from 15% now. The top rate on interest, rents, royalties and certain "passive income" would rise to 43.4% from 35%. (Neither 2013 rate includes the return next year of the phaseout of itemized deductions for the better off, which can add one percentage point to both rates.)

Even more significantly, beginning in 2013, the amount you can shelter pretax in an FSA will be restricted to $2,500 a year, an amount that will then be indexed for inflation. (Currently there's no legal limit, and 78% of large employers set it at $5,000 or higher, according to Hewitt Associates ( HEW - news - people ).) That means you should plan to put aside pretax money in 2011 or 2012 for such big-ticket items as orthodontia and Lasik surgery. You must have the procedure done that same year, since any pretax money not used each year is forfeited.

Note that it will also become more difficult as of 2013 to write off out-of-pocket medical costs on your 1040--taxpayers under 65 will be able to deduct such costs only to the extent they exceed 10% of adjusted gross income, up from 7.5% now. (Older taxpayers can still use the 7.5% threshold through 2016.)


But the above taxes alone will not achieve the needed funds to pay the real costs for the additional 157 new bureaucratic office and oversight committees created in this bill and we will address that in a later posting:

On numerous occasions I've pointed out how President Shifty's pledge not to raise taxes on person's earning under $250,000 was, to use a subtle and technical term, a total, absolute, and utter, lie.
Saturday Obama said that he kept his promise not to tax families making less than $250,000 per year. So it was nice to see the Joint Committee on Taxation say yesterday that this was... how do I put it... a lie.
As The Hill reports:
Taxpayers earning less than $200,000 a year will pay roughly $3.9 billion more in taxes — in 2019 alone — due to health care reform, according to the Joint Committee on Taxation, Congress's official scorekeeper...Once the law is fully implemented in 2019, the JCT estimates the deduction limitation will affect 14.8 million taxpayers — 14.7 million of them will earn less than $200,000 a year. These taxpayers are single and joint filers, as well as heads of households.
Working families will suffer, the economy will continue to stagnate, and this President will continue to say the exact opposite of what he is doing.
I have stated this over and over and will continue until everyone gets it. They have stolen all of your tax monies paid into SSI and Medicare for social programs and it is now broke! They will continue to destroy the free market in order to capture any and all revenue they can to recreate these funds!

In the fight for Constitutional Rights,

Dr. Keith C. Westbrook PhD.

Friday, March 12, 2010

The Top Government Lies about Health Insurance!

When I started gathering information for this months entry I was amazed at the number and depth of the lies Shifty, Dingy Harry, Slick Chris and the Princess have been telling. It is hard to pick a favorite to start this off but this is the one they think is working the most.


Lie 1. The loss of coverage by these no-name cancer victims.


Fact: The only way your health insurance will drop your coverage is if you lied on the application, stopped paying your premium or failed to pay or make arrangements to pay your shared costs of coverage. A health insurance policy is a contract like any other that is bound by its covenant and must be honored as such. The NAIC whose link is above literally reviews these before any company can sell any policy in any state. All states have insurance regulators or financial services commissions that regularly monitor insurance company claims and websites for consumer advocacy.
The only way that these people could have been affected by cancer or a similar catastrophic event is if they opted for coverage with limited or specific condition coverage. Several companies have limits for treatment in these types of policies for conditions such as cancer. It is identified in the coverage outline provided by every health insurance company that I represent. (8)


Lie 2. That you cannot get insurance if you have a pre-existing condition.


Fact: I have about 20+ clients that will tell you this is pure BS. Aetna, Cigna, Humana, Assurant and United Health will all cover pre-existing conditions that are not totally debilitating or long term catastrophic. In other words if you are type 2 diabetic or have vascular disease or 3 heart attacks or are 5'5" and weigh 300lbs. you will not be able to get the kind of plan that pays for everything but you can get a limited benefits plan. You can also offset that with a Hospital Indemnity and accident coverage to help cover costs. If you have completely neglected or destroyed your body why should you be rewarded? Now I know that Diabetes and some other medical conditions are genetic and that is where there is a need for reform or policy pooling allowing companies to access funds to offset the costs of certain types of care for these individuals who are not responsible for their health condition. Some of the most unfortunate though have coverage through Medicare / Medicaid available to them. (if they qualify for SS benefits early or are disabled for 2 years you qualify for benefits)


Lie 3. That the premiums go up 30% to 40% every year.


Fact: Only if you are in group insurance and only if the majority are aged or infirmed. If your co-workers are all old fat beer drinking 2 pack a day smokers you are screwed. Group health insurance is underwritten to the oldest and sickest demographic in your company census.
This means that the fat bastard sitting around polishing off his morning 12 pack of Duncan Donuts, goes to the fast food joints everyday for lunch and never takes that butt out his mouth, is costing you money! This is why so many young people just starting out in their employment lives do not opt for coverage, they resent the older worker who they feel that that person or persons are not entitled to their money (like they are) to share the costs.
The average year over year rate increase for private coverage is 6% with some being as low as 4% and high 8%. (see AHIP website link above for verification of FACTS)
For any insurance company to increase its rates they first must present those rates increases for review and approval to their respected state oversight panels. They cannot just arbitrarily increase rates anytime it can only be done during the policies anniversary date and you as the consumer have the right to go elsewhere for coverage if you feel they are too much.
This is the underlying fundamental that Shifty and the Gang are out to destroy your choice, otherwise known as Freedom!
That is why no matter what they say any piece of garbage bill they pass has one goal in mind.


Lie 4. This is not about control but choice, providing coverage and cost containment.

Fact: Unlike our representatives in Washington I have on my computer all 4 copies of this legislation and have read them as well as the CBO and HHS analysis. ( would you, like a copy?)
For 13 months I have been reading and reporting the truth about these bills:
Here are some of the links to some of the nationally quoted articles in the past or go to my archives for additional material:
http://drputts.blogspot.com/2009/12/obamanation-care-just-keeps-getting.html
http://drputts.blogspot.com/2009/11/why-ama-and-aarp-support-socialist.html
http://drputts.blogspot.com/2009/10/health-insurance-reform-from.html
http://drputts.blogspot.com/2009/07/why-obama-must-have-single-payer-system.html
http://drputts.blogspot.com/2009/06/truth-about-medicare-right-now.html
In all of these and additional blogs and publications Americans are and have become informed at what is really at the heart of this legislation:
You control people best when their lives are in the balance!

Do you really think that these people give a damn about your access to health care when Princess Pelosi spends more money on Botox than you earn in a year?
They already have the best and they are not going to share it with you!

Their goal in this bill is to eliminate all options otherwise it would be like every other country with Socialized Health Care, the haves will go to the country with the best care and the rest of us will suffer with substandard. Why else do you have Canadian government officials getting operated on in OUR Country?
They say that their are no death panels in any of the bills and they are right but why is there 104 oversight committees in the house final bill and 87 in the senate version including the fact that these committees would be appointed by Shifty and the Gang and not be subject to review or oversight by Congress! If there is nothing to hide and all these bills are really trying accomplish is transparency then I am going F%&$ing blind!

Folks I am not bragging, I am NO FOOL and I will put my Mensa rated above genius IQ out there with anybody in the field of empirical data acquisition and dissertation of said material.
I have approached these bills the same way. I am not a Lawyer nor profess to be one but I can read and I have not found in any bill where it is going to cut costs now, next year or 20 years from now without cutting benefits, PERIOD!
It is simple matter of economics, you cannot spend what you don't have, so you have to cut back spending some where else!
This is just common sense folks you cannot spend what you don't have without going deeper into debt. And there is no way that implementing any of the cost-savings in these bills, will have any effect without them cutting benefits to the highest users and least productive, SENIORS!
Without cutting benefits or cutting costs such as the fee schedule that doctors are currently reimbursed by now ( and that is about 80% of what Dr.s charge privately) there can be no long term gains that they say will magically appear, without drastically reducing benefits to those that use them the most!

Lie 5. That without Health Insurance reform our entire economy will collapse.

Fact: Call it what you will, I'll call it straight it is INSURANCE REFORM NOT HEALTH CARE REFORM!
They used the banks as an excuse to create the largest debt this country has ever seen and said that if they allowed them to fail it would collapse our economy. They are now saying the same thing about health care costs and the Insurance Companies obscene profit taking.
Well NO business stays in business without making a profit and if you stop it from profiting then it will go out of business.(and some profit margins http://factcheck.org/2009/08/insurance-co-profits-good-but-not-breaking-records/)
This is exactly what Shifty and the Gangs intention has been all along, to take over the health insurance industry and become the controller of your health. And not for any humanitarian reasons or self-proclaimed altruism. It is to control who gets it and who doesn't and in effect control the populations decision making process especially in electoral matters. If you are not going to support them then they can effectively limit your life expectancy by limiting your access to health care!
The health care industry is currently 17.6% of GDP and growing due to the aging in of boomers.
http://www.plunkettresearch.com/Industries/HealthCare/HealthCareStatistics/tabid/293/Default.aspx
The real number is the one down the road a few years when 54.6 million people will be age 65 or over and looking for the Medicare coverage that they paid for and was stolen for social programs.
They stole our money to buy the votes of the under classes to ensure their Progressive Socialist Agenda would have enough support from this section of the voting populace. So when myself and the rest of the boomers come to enroll into coverage there has to be a way to pay for it.
And what better way than to have every single person paying the government for health care.
So how do you get people to stop what they have been doing for hundreds of years and go the route you need?
PANIC and Lionization make you hate them more than the other guy, blame them for your troubles. If you are constantly told that they are the enemy, you will come to believe them, especially if you are not good at independent thought, which our federal school system has destroyed.

"Dependence begets subservience and venality, suffocates the germ of virtue, and prepares fit tools for the designs of ambition."
Thomas Jefferson

I heard recently on talk radio the correlation of Hitlers treatment of the Jews in 1930's Europe and Shifty's treatment of anyone or anything that disagrees with him, make them the enemy by lying, have your propaganda machine perpetuate the lie. He now has his sights fixed clearly on his next target but that target is not health insurance, its you!

In Freedom,
Dr. Keith C. Westbrook PhD.

PS. had 20 lies ran out of room after first five may continue as a series in the future.
God Bless America!

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Financial Services Professional specializing in health care risk mitigation and multi-layered retirment income planning.

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