Oct 31, 2013 by

by Donna Garner


Why are insurance companies dropping millions of people from their policies and/or charging them more to re-enroll?  Is it because the insurance companies are avaricious individuals who are out to make a huge profit off the backs of the public?  That is the message Obama and the Dems want people to believe.

However, the truth is that the requirements called “Essential Health Benefits” under Obamacare are completely unreasonable.  It is because insurance companies are being forced to comply with the very expensive “Cadillac” requirements under Obamacare that they are being forced to take drastic measures.

Then, too, we must always remember that the real intent of Obamacare is to drive the insurance companies out of business so that everyone will be forced onto Big Government’s single-payer plan that will decide who lives and who dies. Even though people are screaming that Obamacare is a failure, in the eyes of Obama and his administration, they believe the plan is a huge success!

Not only does Obamacare almost totally destroy the personal responsibility that the public needs to feel to try to keep themselves healthy, but it also runs up the cost of healthcare for those people “who are pulling the wagon.”  Ironically, many people who have been responsible enough to pay for their own healthcare are having to drop it because of the rising costs so that people without healthcare can have the Cadillac plan. There is something very wrong with this picture!

Through our 50 years of marriage, my husband and I have always had to struggle to make ends meet.  One way we have done this is to choose healthcare policies that we can afford.  No, they have not had all the “bells and whistles,” (e.g., oral and vision care).  In fact, when our first child was born, we had to borrow from our retirement fund to pay for his birth; but we always managed through tight budgeting to pay for our healthcare.   However, the Essential Health Benefits (the Cadillac plan) requires that all plans in this country now have to meet the following requirements:



A set of health care service categories that must be covered by certain plans, starting in 2014.

The Affordable Care Act ensures health plans offered in the individual and small group markets, both inside and outside of the Health Insurance Marketplace, offer a comprehensive package of items and services, known as essential health benefits. Essential health benefits must include items and services within at least the following 10 categories: ambulatory patient services; emergency services; hospitalization; maternity and newborn care; mental health and substance use disorder services, including behavioral health treatment; prescription drugs; rehabilitative and habilitative services and devices; laboratory services; preventive and wellness services and chronic disease management; and pediatric services, including oral and vision care.

Insurance policies must cover these benefits in order to be certified and offered in the Health Insurance Marketplace. States expanding their Medicaid programs must provide these benefits to people newly eligible for Medicaid.

Obamacare is the ultimate redistribution of wealth in its purest form!  We, who have sacrificed by paying our bills and buying our own health insurance policies even though it meant not having the money to buy many luxury items nor being able to select the Cadillac health plan, are being forced to pay for the Cadillac health plan for millions of other people who may or may not be deserving individuals.

No wonder the insurance companies are having to jack up their healthcare premium prices.  No wonder some companies have decided they simply cannot offer their employees these Cadillac policies and have been forced to dump their employees into the healthcare exchanges.

Millions of people (old and young) because of their age and lifestyle do not need maternity care and newborn care, mental health and substance use disorder services, including behavioral health treatment.

We also do not believe it is right to keep the pro-life people going into the exchanges from knowing which policies subsidize abortions.  Nor is it right to require pro-life people to pay for other people’s contraceptives and abortions:

10.30.13 – LifeNews.com — http://www.lifenews.com/2013/10/30/obamacare-abortion-coverage-coverup-demand-sebelius-tell-the-truth/

According to the secrecy clause, plans which include abortion may only reveal that they cover abortion in the “Summary of Benefits,” and only at the time of enrollment. Furthermore, materials published by the insurer or the Exchanges are not permitted to provide the monthly cost of the abortion premium—leaving insurance-Exchange participants in the dark about possible subsidization of abortion. Even worse, participants will not be allowed to opt-out of the abortion premium once they are enrolled.

Obviously, Exchange participants should be given the tools to enroll in an abortion-free plan.


10.23.13 – “Mandatory Fee Has All Obamacare Plans in Rhode Island Paying for Abortions” —  http://www.lifenews.com/2013/10/23/mandatory-fee-has-all-obamacare-plans-in-rhode-island-paying-for-abortions/ :

All of the 28 plans available through HealthSource RI include coverage for elective abortion and, thus, under the provisions of the Obamacare law (45 CFR § 156.280, PPACA Section 1303), require the insurers to collect from each enrollee in these plans separate premium payments to pay for the elective abortions covered under the plan. The law requires that the additional mandatory abortion fee be charged to all enrollees in the health plan “without regard to the enrollee’s age, sex, or family status” and whether they object to abortion or not.

Donna Garner



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