CruzCare is a poison pill

Voice of the People by James J. DevineThe Senate has postponed its consideration of the Better Care Reconciliation Act —?a.k.a. TrumpCare 3.0 —  until Sen. John McCain returns to Washington because the Republican lawmaker from Arizona is recovering from brain surgery performed to remove a blood clot.

Before the delay, Republican senators hoping to pass the legislation to repeal and replace the Affordable Care Act offered a flurry of amendments to the bill in hopes of securing enough votes.

Not all of these alterations are improvements to the bill and some are downright dangerous.

Senator Ted ‘Killer’ Cruz

Among the worst is the amendment proposed by Sen. Ted Cruz (R-TX), which would allow insurance companies that offer at least one policy that complies with existing regulations on preexisting conditions and comprehensive coverage to offer bare-bones plans that vastly increase exposure to financial losses and denials of necessary treatment.

On Friday, America’s Health Insurance Plans and BlueCross BlueShield Association together sent a scathing letter to Senator Majority Leader Mitch McConnell (R-KY) and Senate Democratic Leader Charles Schumer (D-NY), calling the deadly Cruz amendment ‘unworkable.’

“It is simply unworkable in any form and would undermine protections for those with pre-existing medical conditions, increase premiums and lead to widespread terminations of coverage for people currently enrolled in the individual market,” the letter said.

If that sounds bad, it gets even worse. Not only are the bare-bones plans under the Cruz amendment so cheap that they would cause the cost for comprehensive, ACA-compliant insurance plans to skyrocket, but the CruzCare would be so stripped down that it won’t count as “continuous coverage” in the BCRA.

In other words, if you are a healthy person who buys CruzCare because it’s cheap, then if you become sick and need to upgrade to a better plan, you would be locked out of the insurance marketplace for six full months.

That is because the GOP gets around calling it a mandate by punishing people who are unable to buy a robust insurance plan, or making it financially imperative to maintain coverage.

The six-month ban is intended to stop people from going without insurance until they become sick. The point of the Cruz amendment is not to keep healthy people in the insurance market, but to permit insurance companies to cheat customers by selling plans that leave them exposed, like a parachute that does not open.

Obamacare prevents what is essentially a fraudulent practice. If insurance does not cover sickness or injury, then it is not what buyers think it is. CruzCare is a testament to corporate corruption but it is so shabby that legitimate companies recognize it as a killer.

Former Democratic Congresswoman Donna Edwards put a face to the problem.

Edwards recently authored a moving story in the Washington Post discussing her battle with multiple sclerosis, the disease she was diagnosed with last summer, as she was planning on purchasing insurance through the ACA when her current $800-a-month COBRA plan expires next June.

If the BCRA passed, she could be unable to get insurance due to her pre-existing condition.

Edwards explained that had she bought cheap CruzCare insurance last year, when she was diagnosed with MS she could have needed to wait six months before being allowed to purchase a more expensive policy that would cover her condition.

“If I had one of these simple bare-bones plans in May of 2016, by the time I was diagnosed with multiple sclerosis in June of 2016, I would not have health care,” Edwards said in a segment televised on MSNBC’s AM Joy.

CruzCare plans won’t cover prescription drugs, chemotherapy, hospitalization, or pregnancy. In other words, the Texas conservative would allow consumers to pay premiums without getting much in return.

Before ObamaCare, medical bills caused more than half of all bankruptcies, because people who had coverage found themselves unable to pay for things left out in the fine print of those policies.

If people pay for health insurance, it should cover the cost of treatment they need when they need it without exception, or at least it should stop losses over a certain point for buyers who opt to save on premiums by accepting a high deductible or co-pays.

ObamaCare maintains the private insurance market by making almost everyone participate, which is a far cry from ‘failing’ as many Republicans describe it.

If we are going to share the risk of caring for people who need medical treatment — which is ultimately going to be everyone — we should cut out the profit and save money on administrative costs by enacting Medicare for all.

CruzCare would legalize fraud, leave consumers unable to pay doctors or hospitals, and kill Americans.

 

 

 

 

 

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Nolito, Manchester City F.C., Sevilla FC, Pep Guardiola, Celta de Vigo, La Liga The Star Online
Nicole Kidman, Big Little Lies, Primetime Emmy Award, Reese Witherspoon, HBO Star2.com
New York Yankees, Michael Pineda, Tommy John, Brian Cashman, Ulnar collateral ligament of elbow joint Yahoo News UK
New York Mets, Colorado Rockies, Jacob deGrom, Yoenis Céspedes New York Daily News
New Orleans Pelicans, Rajon Rondo, NBA, Chicago Bulls, DeMarcus Cousins, Jrue Holiday OCRegister
New Mexico, Santa Fe, Meow Wolf, Associated Press Denverite (blog)
New Jersey Devils, Nico Hischier, National Hockey League NJ.com
NBC, United States, United States Olympic Committee, NBCUniversal Sports Illustrated
National Oceanic and Atmospheric Administration, Canada The Denver Post
National Ice Cream Month, McDonald’s WRAL.com
Nancy Pelosi, Donald Trump, United States presidential election, 2016, Party leaders of the United States House of Representatives, Democratic Party, Reuters, Russia WWMT-TV
Monster Energy NASCAR Cup Series, Kyle Larson, New Hampshire Motor Speedway, Martin Truex Jr., NASCAR, Kyle Busch NESN.com
Mondelez International, NASDAQ Weekly Register
Miranda Kerr, Christian Dior SE, Evan Spiegel, Haute couture Vogue.com
Minor League Baseball, Triple-A, Double-A MiLB.com
Minnesota Twins, Houston Astros, José Berríos Minneapolis Star Tribune
Minnesota Lynx, Brittney Griner, Phoenix Mercury, Sylvia Fowles, WNBA, Maya Moore, Seimone Augustus Minneapolis Star Tribune
Milwaukee Brewers, Philadelphia Phillies, Ryan Braun, National League Central Madison.com
Mike Pence, Vice President of the United States, Donald Trump Jr., Republican Party Townhall
Miguel Berchelt, Takashi Miura, World Boxing Council, Joe Smith Jr. OCRegister
Michigan, United States, Ohio Department of Public Safety, Ohio State University, Columbus The Guardian
Meghan Markle, Prince Harry, Suits Daily Star
Meadowlands Pace, Meadowlands Racetrack, Tim Tetrick, Ray Schnittker, Huntsville, Somebeachsomewhere, Brian Sears New York Post
McDonald’s, NYSE Stock Observer
Maryam Mirzakhani, Fields Medal, Iran, Stanford University New York Times
Marsh & McLennan Companies, Marsh, NYSE Weekly Register
Marion County, Florida CBS Miami
Marathon Petroleum Corporation, Marathon Oil, NYSE Weekly Register
Marathon Enterprises, Inc., United States Department of Agriculture, Food Safety and Inspection Service WLWT Cincinnati
Main Event of the WSOP, 2017 World Series of Poker Las Vegas Review-Journal
Lululemon Athletica, NASDAQ Barron’s
Lowe’s, NYSE Stock Observer
Los Angeles Rams, Tyler Higbee, Guilt, NFL, Kentucky Gulf Times
Los Angeles Dodgers, Miami Marlins, Yasiel Puig, Cody Bellinger, MLB CBS Miami
Los Angeles Angels of Anaheim, Tampa Bay Rays, Mike Trout UPI.com
Kraft Foods Inc, NASDAQ, H. J. Heinz Company CNNMoney
Kirk Cousins, Washington Redskins, Franchise tag, NFL ESPN
Kansas City Royals, Texas Rangers, Danny Duffy, Mike Napoli, Cole Hamels Dallas News (blog)
John Deere Classic, PGA TOUR, TPC Deere Run, Charles Howell III, Patrick Rodgers, Zach Johnson, Silvis, Ollie Schniederjans Boston Herald
Jio, 4G, LYF, Voice over LTE, India Bangladesh News 24 hours
Jimmy Carter, Habitat for Humanity, Canada, President of the United States, Winnipeg, Rosalynn Carter New Delhi Times
Jim Thorpe Award, Ohio State Buckeyes football, College football 247Sports (subscription)
Jesus InterAksyon
Jerusalem, Temple Mount, Israel Police, Al-Aqsa Mosque, Old City, Palestinians Washington Post
James Comey, Director of the Federal Bureau of Investigation, Presidency of Donald Trump Telegraph.co.uk
Israel, West Bank, Canada, Canadian Food Inspection Agency, Liquor Control Board of Ontario, Psagot Jewish News
Interstate 65, Bowling Green, Beech Grove, Kentucky State Police, Indiana WISH-TV
International Indian Film Academy Awards, 18th IIFA Awards, Alia Bhatt, Varun Dhawan, Salman Khan, Shahid Kapoor, Katrina Kaif, New York City Times of Oman
Indiana, Naloxone, Fentanyl Chron.com
Indiana Press Herald
Indiana Derby, A. J. Foyt, J. Paul Reddam, The Kentucky Derby, Mario Gutierrez, Epsom Derby, Doug O’Neill Brisnet.com
Illinois Tool Works, NYSE, U.S. Securities and Exchange Commission BNB Daily (blog)
Ichimoku Kink? Hy?, Relative strength index, Momentum, Technical analysis, Average directional movement index, Support and resistance, Commodity channel index Finance News Daily
Hurricane Fernanda, National Hurricane Center, Pacific Ocean, Saffir–Simpson scale Chron.com
Houston Astros, Dallas Keuchel, American League, Corpus Christi, Texas FanRag Sports (blog)
Honda Indy Toronto, Simon Pagenaud, IndyCar Series, James Hinchcliffe, Hélio Castroneves, Team Penske, Honda NESN.com
Health care fraud, United States Department of Justice, Jefferson Sessions, Medicare, Medicaid Immortal News
Hassan Rouhani, President of Iran, United States, Hossein Feridon The Spokesman-Review
Hartford Yard Goats, Trenton Thunder, Connecticut Hartford Courant
Hain Celestial Group, NASDAQ BNB Daily (blog)
Gurnee, Lake County, Illinois, Fox River, Des Plaines River, Chicago WLS-TV
Gun violence, Washington, D.C., United States, House Committee on Appropriations, Republican Party PBS NewsHour
Grenfell Tower fire, London, Cladding Red Pepper
Greg Abbott, Texas, Dan Patrick, Special session Texas Public Radio
Gianni Versace, Andrew Cunanan, July 15, Donatella Versace, Miami Beach, Florida Inquirer.net
Germany Bloomberg
General Mills, NYSE BNB Daily (blog)
Game of Thrones – Season 7, HBO, Jon Snow, Daenerys Targaryen Madison.com
Frontier Communications, NASDAQ Madison.com
French Guiana national football team, Florent Malouda, 2017 CONCACAF Gold Cup, Canada men’s national soccer team Arab Times Kuwait English Daily
Final Fantasy XII, PlayStation 4 Giant Bomb
Fallingwater, Frank Lloyd Wright, Pennsylvania, Bear Run Laredo Morning Times
Ezekiel Elliott, Dallas Cowboys, NFL, Adam Schefter The Inquisitr
Executive Order 13769, Presidency of Donald Trump, Hawaii, Supreme Court of the United States, United States federal judge Washington Post
European Central Bank, Mario Draghi, Quantitative easing, Federal Reserve System Times of Oman
Egypt, Copts, Coptic Orthodox Church of Alexandria, Cairo, Islamic State of Iraq and the Levant Christian Post
Dunkirk, London, Tom Hardy, Cillian Murphy, Harry Styles, Kenneth Branagh Boston Herald
Dumbo, Tim Burton, The Walt Disney Company, Michael Keaton, D23, Danny DeVito Cinema Blend
Dow Jones Industrial Average, S&P 500 Index, NASDAQ, United States, Janet Yellen Deutsche Welle
Donald Trump, Twitter, First Amendment to the United States Constitution Firstpost
Donald Trump, Raúl Castro, Cuba–United States relations, Fidel Castro, President of the United States, Havana Denton Record Chronicle
Doctor Who, Jodie Whittaker, Peter Capaldi, BBC, The Doctor The Mercury News
Detroit Tigers, Toronto Blue Jays, Justin Verlander, Aaron Sanchez, MLB CBS Detroit
Destiny 2, Xbox One, PlayStation 4, Bungie Forbes
Democratic Republic of the Congo, United States, Mambasa, Okapi Wildlife Reserve, Associated Press Channel NewsAsia
DeLand, Florida Fox News
Common raven, Crow family BABW News
Columbia University, Emma Sulkowicz LawNewz
Cleveland Indians, Terry Francona, Oakland Athletics, Sonny Gray Register Pajaronian
Chris Froome, Bauke Mollema, General classification in the Tour de France, Team Sky U.S. News & World Report
China, Jiangsu, Changshu, Xinhua News Agency New York Times
Chicago White Sox, Seattle Mariners, Robinson Canó, James Paxton Chicago Tribune
Chicago Cubs, José Quintana, Chicago White Sox, MLB ESPN
Chicago Cubs, Baltimore Orioles, Jake Arrieta, Addison Russell FanRag Sports (blog)
Chesapeake, Virginia, Virginia San Francisco Chronicle
Chechnya, Ramzan Kadyrov, Russia, Head of the Chechen Republic Sputnik International
Buzz Aldrin, Mars, Apollo 11, Moon, Neil Armstrong, NASA, Kennedy Space Center, Apollo program Fox News
Buffalo Wild Wings, NASDAQ Finance News Daily
Bucks County, Pennsylvania, Doylestown AZFamily
British Grand Prix, Lewis Hamilton, Sebastian Vettel, Valtteri Bottas, Silverstone Circuit, Mercedes AMG Petronas F1 Team Los Angeles Times
BP, NYSE Markets Daily
Boston Red Sox, New York Yankees, Pablo Sandoval Boston Herald
Bill de Blasio, Scott Stringer, Manhattan, New York City Comptroller amNY
Big 12 Conference football, Oklahoma Sooners football, College football, Texas, Tom Herman San Francisco Chronicle
Benjamin Netanyahu, Emmanuel Macron, Israel, President of France, Paris, Prime Minister of Israel, Vel’ d’Hiv Roundup BBC News
Bed Bath & Beyond, NASDAQ, Target Corporation BNB Daily (blog)
Bayer, Adidas, Target Corporation, FWB:ADS BNB Daily (blog)
Barack Obama, President of the United States, Presidency of Donald Trump, Republican Party WJLA
Bald eagle, New York Fort Worth Star Telegram
Babe Parilli, New England Patriots, New York Jets, NFL, American Football League, Kentucky Wildcats football, Joe Namath NBCSports.com
Avengers: Infinity War, Thanos, D23, Marvel Comics, The Avengers, Marvel Studios UPROXX
Atlanta Braves, Arizona Diamondbacks, Freddie Freeman, R.A. Dickey Today’s News-Herald
AstraZeneca, Pascal Soriot, Teva Pharmaceutical Industries, Reuters The Times of Israel
Associated Press, Republican Party, John McCain, Patient Protection and Affordable Care Act, Mitch McConnell Voice of America
Ashley Madison, United States, Ruby Corp. Engadget
Ariel Winter, Modern Family, Twitter Chron.com
Ann Coulter, Delta Air Lines, Twitter Washington Post
American Red Cross, Las Vegas Canoe
American Century Championship, Derek Lowe, South Lake Tahoe, Edgewood Tahoe, Stableford, Stateline, Mark Mulder Reno Gazette Journal
Alzheimer’s Association NPR
Alphabet Inc., NASDAQ Transcript Daily
Alliance Resource Partners, L.P., Natural Resource Partners LP, NASDAQ Motley Fool
Alibaba Group, NYSE Amigobulls
Aladdin, The Walt Disney Company, Princess Jasmine, Genie, Will Smith, Naomi Scott CTV News
Air Canada, San Francisco International Airport Los Angeles Times
Afghanistan, United States, Islamic State of Iraq and the Levant – Khorasan Province, The Pentagon, Kunar Province, United States Armed Forces NBCNews.com
Aaron Carter, Driving under the influence, Georgia E! Online

 

 


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