Why Your Premium Just Went Up

AmbulanceMy friend Kay Ace got a ride in a diesel truck with a siren last night. She doesn’t remember too much of it.

The “episode” started at a meeting in Milton, Vermont. She says she felt queasy, asked for a chair, sat down, and still felt upset of tummy and clammy. Passed out. She woke up in an ambulance on the way to the hospital in Burlington. She said she was still woozy for her first hour in the ER.

Dx: Vasovagal Syncope

That’s the common big Latin word most doctors use to describe fainting. A faint is a brief loss of consciousness caused by a sudden drop in your heart rate and blood pressure, which reduces blood flow to your brain.

“A fainting spell?” her friend Rufus asked. “And these are real doctors? I’m surprised they didn’t diagnose her with the vapors. Sheez.”

Vasovagal syncope is usually harmless and requires no treatment, according to the Mayo Clinic.

So, of course, Milton took her for a $700 ambulance ride to a $2,000 trauma center where they performed a $900 EKG and (maybe) a few $65 dollar blood tests. All for something a $1.99 bottle of smelling salts would have fixed as little as 20 years ago.

“More like 45-50 years ago,” Rufus said.

We still had smelling salts around the house as recently as the 90s; certainly until 1990 because my grandfather was still alive then. For anyone of that generation as well as many of our parents age, it was just something you had in the medicine chest.

“And you took someone to the hospital if they needed it… in your own car,” he added.

Sure, although an ambulance (and the state police) came when that same grandfather cut his foot halfway off at the ankle with the spinning Gravely flywheel. That was in 1958 or so. On the other hand, I’m pretty sure my mom drove my dad in when he cut his fingers off. Both times.

Smelling salts not required either time.

Kay fainted. No one is worried that it might happen again. People faint occasionally and it’s not often a sign of any underlying problem. The over-reaction to her fainting will happen again because that is a sign of any underlying problem.

Kay is still just fine, by the way, although her wallet lost some weight.


I guess they’re not $1.99 anymore.

Some at-risk groups, such as pregnant women, are
currently advised to keep smelling salts close to hand.

Thorsday Thorn: Not a Single Dime

You will not see your taxes increase by a single dime, not your income tax, not your payroll tax, not your capital gains tax …

“It’s a tax,” Chief Justice John Roberts decreed.

Liberals and conservatives alike threw out George H. W. Bush when he promised “no new taxes.” Conservatives are already on on board to dump Barack Obama for that and a litany of other evils.

It’s time for the liberals to fish or cut bait: you can either dump your great and exalted O for lying to you or run off with your tail between your legs and pretend that a tax is not a tax is not actually a tax.

Here’s What Obamacare Actually Does For You

“Wow! It is without any doubt the law now,” my friend Nola Guay crowed. “And there is nothing, absolutely nothing, in it that I don’t like!”

Two days from our celebration of Independence from a monarchy, how about the facts that it is yet another tax, that it will continue to drive up the cost of seeing your doctor, and that the Regent of Pennsylvania Avenue just stole yet another piece of your heritage?

But Mr. Obama says he gave you something good!

She sent me a poster of the Obamacare Top 10.


The Obamacare Top 10

Here’s What Obamacare Actually Does For You:

(1) “Access to health insurance for 30 million Americans …”
Every one of the 46 million Americans without health insurance had “access” to it before Obamacare came to be. Access has never been the problem.

“and lower premiums.”
Your insurance premiums have doubled in the last 10 years. They’ve continued to go up because many Obamacare provisions don’t take effect until after the election or 2014.

The problem isn’t higher premiums. The problem is the high cost of our medical system. Work on cost and I guarantee premiums can come down.

(2) “The ability of business and individuals to purchase comprehensive coverage from a regulated marketplace.”
Wow. I guess the Banking and Insurance industry wasn’t already regulated. Now it will be more regulated. Like Cable TV is. That’s gonna make it better.

(3) “Insurers’ [sic] cannot discriminate against people with pre-existing conditions.”
Um, anybody remember ERISA? Been there, done that.

(4) “Tax credits for small businesses that offer insurance.”
Oh, goody. We’ll raise taxes on all the rich small businessmen and businesswomen to come up with the money to give them tax credits back.

(5) “Assistance for businesses that provide health benefits to early retirees.”
See above. And don’t forget that “early retirees” doesn’t mean thee and me. It means the United Auto Workers who get to retire with full benefits and the GM stock Mr. Obama stole from the other retirees like thee and me who used to own that company.

(6) “Affordable health care for lower-income Americans. Obamacare extends Medicaid to individuals with incomes up to 138% of the federal poverty line.”
No new taxes, though. This won’t hurt a bit. You might feel a little pinch…

(7) “Investments in women’s health. Obamacare prohibits insurers from charging women substantially more than men …”
Oh, goody again. So Obamacare singlehandedly disallows the actuarial tables insurers live by. Or men, who cannot have children, get to pay a higher premium than they would under actuarial calculations. And old peeps. And children. All higher premiums.

(8) “Young adults’ ability to stay on their parents’ health care plans.”
That’s a good one. Didn’t need 2,700 pages to do that. Speaker of the House John Boehner mentioned yesterday that the insurance companies themselves lobbied for it because federal law kept them from allowing dependents to stay, well, dependent past their high school or college years.

See, young adults are generally healthier than older adults. That should improve the revenue the insurance plans generate.

(9) “Discounts for seniors on brand-name drugs.”
Oh, swell. The home of the $6,000 hammer will negotiate the cost of your Viagra.

Wait. That’s not right. Don’t the drugs we want fall into the “donut hole”? (That’s the difference between the initial coverage limit and the catastrophic coverage threshold currently in the Medicare Part D prescription drug program. This Administration loves donuts. One box of Munchkins™ coming up for your med-surg snack. Mmmm, donuts.)

(10) “Coverage for the sickest Americans.”
Bwahahahahahahahahah hah ha. And ha.

My friend Rufus had non-Hodgkin’s Lymphoma in 2011. My mom’s breast cancer metastasized in 2001. Oddly, both of them were pretty darned sick. Both of them had coverage, Rufus on a company retirement benefit and Mom on Medicare and Medicare Part B.

That was before Obamacare.

Thomas Sowell commented, “It is amazing that people who think we cannot afford to pay for doctors, hospitals, and medication somehow think that we can afford to pay for doctors, hospitals, medication and a government bureaucracy to administer it.”

Bottom line: “It’s a tax,” Chief Justice John Roberts said.

So tell me again, other than nationalizing the payment system for health care (and running up the costs), What Obamacare Actually Does For US? ‘Cause I just don’t see it.


I wrote a two part series a couple of years ago on how to fix our broken health care system:How to Fix It, Part I
How to Fix It, Part IIAnd here’s the entire ObamaCare category:
Obamacare in America


Next week, we look at the squadron of opossums in Ninja outfits who raided my trash can and laid the blame on the raccoons.

Tuesday Thorn

ObamaCare zealots like to point out that “45,000 Americans die every year from lack of Health Insurance.

“If Terrorists killed that many Americans we would be nuking the whole world.”

Leaving aside the fact that our zealots made up the statistic from whole cloth, I don’t notice any of them lining up to nuke the automobile industry.

Thor’s Day Trials & Tribulations

pill pushingPharmacists used to count pills out by hand and dispense them in a bottle with a simple cap until that became unsafe. Then pharmacists counted pills on the counter and dispensed them in a bottle with a “child proof” cap until that became unsafe. Now pharmacists slap a label on a prepackaged carton filled with double-blister wrapped, scalloped indvidual pill nests impervious to shock, awe, nuclear explosion, and fingernails.

Not only have we quadrupled the waste stream, I have to work eight times longer to get the @#$%^ things open.