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Wendell Potter

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"Hands Off My Health Care!" (This Message Brought to You By the Health Insurance Industry)

Posted: 03/26/2012 10:05 am

Hands off my health care!

Remember those words from the health care reform debate of two years ago? I'm confident we'll be seeing them on protest signs in Washington again this week as the Supreme Court hears arguments on the constitutionality of the Affordable Care Act. And we'll see them again when the protest campaigns shift into high gear this summer.

One of the rules of effective communications is to keep it simple. In attacking something you don't like, use as few words as possible, and make sure those words pack an emotional wallop. That's why lies about "death panels" and a "government takeover" of health care have been so potent. Unfortunately for those advocating reform, it's far more challenging to explain and defend a law as complicated as the Affordable Care Act.

Maybe, then, supporters of the law should co-opt the "hands off" slogan and make it their own. That would require adding just a few more words here and there to make clear what would be lost if the law is repealed, gutted or declared unconstitutional.

Here are some suggestions:

"Hands off my health care! Granny doesn't need her meds all year anyway!"

The Affordable Care Act is closing the despised and even deadly "doughnut hole" in the Medicare prescription drug program, which was designed in 2003 largely by lobbyists for insurance and pharmaceutical companies who were more interested in protecting their companies' profits than helping seniors stay alive. The way the law was cobbled together, Medicare beneficiaries get prescription drug coverage only up to a certain amount. When they reach that limit, they fall into the "doughnut hole" and have to pay about $4,000 out of their own pockets for their prescriptions before coverage resumes. As a consequence, many people stop taking their medications because they don't have the money to pay for them. And many of them die. The Affordable Care Act has already shrunk that gap and will close it completely in 2020.

"Hands off my health care! Who cares if insurers refuse to cover sick kids?"

Before the Affordable Care Act, insurance companies routinely refused to insure children who were born with disabilities or who developed life-threatening illnesses like diabetes or cancer. It was perfectly legal for them to refuse to sell coverage to anyone -- even children -- who had what insurers call a "pre-existing condition." The reform law already requires insurers to cover all kids, regardless of health status. It will apply to the rest of us in 2014.

"Hands off my health care! My 24-year-old daughter can just stay uninsured!"

Insurers have long had a policy of kicking young adults off their parents' policies when they turn 23. Many of these young folks don't have the money to buy coverage on their own -- and a lot of them can't buy it at all because of, you guessed it, pre-existing conditions. That's why young people comprise the biggest segment of the uninsured population. Because the Affordable Care Act allows parents to keep dependents on their policies until they turn 26, an estimated 2.5 million young people had become insured again as of the end of last year.

"Hands off my health care! If I lose my coverage because I lose my job, so be it!"

Millions of Americans fall into the ranks of the uninsured every year when they get laid off. That's one reason the number of people without coverage swelled to 50 million during the recession. Many of them can't afford to buy insurance on their own and many of them have -- you guessed right again -- pre-existing conditions and can't buy it at any price. Starting in 2014, not only will the Affordable Care Act prohibit insurers from refusing to sell coverage to people of any age because of their medical history, it will also provide subsidies to low-income individuals and families to help them buy insurance.

"Hands off my health care! It's not my problem if your insurance company dumps you when you get sick!"

To avoid paying claims, insurers for years have cancelled the coverage of policyholders when they got sick. A former nurse in Texas testified before Congress in 2009 about getting a cancellation notice from her insurer the day before she was to have a mastectomy because she had failed to note on her application for coverage that she had been treated for acne. The Affordable Care Act makes it illegal for insurers to cancel policies for any reason other than fraud or failure to pay premiums.

"Hands off my health care!" Maybe we ought to think that through a little bit more before we take to the streets with those words on our placards. Insurers who profited from the way things used to be will laugh all the way to the bank if you start waving those signs, but you and people you love might live to regret it. On the plus side, at least for the special interests, you probably won't live as long.

 
 
 

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Hands off my health care! Remember those words from the health care reform debate of two years ago? I'm confident we'll be seeing them on protest signs in Washington again this week as the Supreme Co...
Hands off my health care! Remember those words from the health care reform debate of two years ago? I'm confident we'll be seeing them on protest signs in Washington again this week as the Supreme Co...
 
 
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HUFFPOST SUPER USER
Mando1
05:51 PM on 03/28/2012
Never ceases to amaze me the rank stupidity of the American people. This legislation is probably some of the most helpful that has come from Capitol Hill in years, but they can't be botherered to be educated about it......nope they just turn on Fox "News" for their instructions like robots. Fools. Them and their families will suffer as the health care system spins out of control. But then again the Republican's have come up with so many viable intelligent well thought out options instead of "Obamacare"..............oh wait they don't have anything but "get rich and buy health care or die".
05:18 PM on 03/28/2012
It would be funny if Clarence Thomas gets diagnosed with advanced stage pancreas cancer.
This user has chosen to opt out of the Badges program
10:52 AM on 03/28/2012
This article is so true. Health insurance companies only care about their bottom line. I own a small company and my rates rose 30 to 40% a year for no reason. I have no pre-existing condistions, I'm in good health, I may have went to the doctor once every couple of years for the flu & nothing else. Yet, my insurance premiums continued to raise until I had to make a choice, either cancel the insurance or go out of business. I've been happily uninsured & have saved $50,000.00 dollars for the past two years.
10:31 AM on 03/28/2012
Why the ACA is opposed by the majority of polled Americans boggles the mind. It seems to me that it is the rare American who doesn't fall into the category of needing many of its basic provisions. Everyone accuses the administration of not communicating properly. I don't buy that. For some reason in America people sit up and listen only when they hear negative, scary pronouncements - "death panels" "taking away our freedom." I wonder if the GOP has an ounce of humanity when it so vehemently vilifies an effort to help all Americans.
iridium53
Semper Fi
12:36 AM on 03/28/2012
Another brilliant article from Wendell Potter.
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HUFFPOST SUPER USER
cadawa
12:52 PM on 03/27/2012
Which begs the question why Obama chose to compel Americans to buy coverage (providing them with 50 million new customers at taxpayer expense) from the same corporations that does all the lousy things listed above, still won't cover everyone, were the primary cause for the premature deaths of tens of thousands of people each year and whose customers still went bankrupt from a medical emergency.
Wouldn''t an orange jumpsuit for their executives have been been a better choice?
Americans all ready pay for the best care on earth (double what every other developed nation pays to cover everyone). These incremental changes to a broken system is the best this country can do?
Medicare for everyone would not have landed in the Supreme Court.
HUFFPOST SUPER USER
Ice4you
I hate ignorance Fox style
01:27 PM on 03/28/2012
Medicare for everyone was killed by Joe Lieberman. Public option was killed by Ben Nelson. Obama did not have votes for either. This was the foundation he could get and now we have to vote to keep the senate and get the house back and then the next step will be public option.
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09:02 AM on 03/27/2012
Thank you Mr. Potter for your article and hard work on this issue!!!! I have personally experienced almost all of the problems that this country creates by not offering a MEDICARE A for all and having health insurance tied to an employer that may or may not offer health insurance.

In the 1980 my first marriage fell apart and I would up with no healthcare for 3 years.

Years ago when my sons turned 21 they were dropped off our insurance because they were not full time students and even if they were full time students they would be dropped after 22.

My husband had blood cancer 10 years ago and was treated with chemo therapy and his cancer returned in 2006 and was treated again. Just two years ago my husband was re-diagnosed and told he needed a bone marrow transplant or he would die. He went through the transplant , one month at Mayo and 6 months on anti rejection drugs that costs thousands. Now thanks to the new law there won't be a cap at a million dollars on his coverage and he wouldn't be denied coverage for pre-exhisting condition.
This ACA was was not exactly what most of us wanted which would of been a MEDICARE FOR ALL plan not connected to an employer but this las has helped thousand like us and will improve with time if the rightwing PARTY OF NO don't destroy it first.
HUFFPOST SUPER USER
Wildee7
08:52 AM on 03/27/2012
Want to save healthcare industry? Start by getting rid of Charleton doctors and pharma companies and their therapies that DON"T work! Cancer is a billion dollar industry and NOBODY is doing any meaningful research in this country to stop it, in fact, they are trying to SUPRESS any potential new cures! Watch the following documentary trailor and hear it from the doctors mouth! This is an outrage!
http://www.youtube.com/watch?v=SCmr2OGmMDQ
11:06 AM on 03/27/2012
There is a video documentary entitled The Future of Food--a person speaking for Monsanto said this when asked specifically about research that showed GMO products were linked to breast cancer, That is not my problem. I'm concerned about profit.

There you have it. Much of what is wrong with the current state of our country is that profit is the only motivator that counts--corporations are more people than people are people.
sanddc
Man may think he rules -God is still in charge..
04:03 AM on 03/27/2012
I have paid mt health care all my life why not you free loaders who cn afford to pay do the same?

Why should some pay all their lives and other free loaders pay nothing for healthcare.

It is so irony for all you republicans who want the law ruled unconstitutional. It was the republicans in 1993 that wrote the mandate laws under Clinton's presidency.

Now the good old boy club known as the gops don't want it now since it wasn't a white president to get the law passed. Just a bunch of hell bound hypocrits.
HUFFPOST SUPER USER
Wildee7
08:55 AM on 03/27/2012
Nobody should have to pay, this country can afford it if they get rid of all the waste and fraud!
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HUFFPOST SUPER USER
demotom
rebel with a cause
01:06 AM on 03/27/2012
Single payer health care removes the health system of healthcare insurance from the equation. Single payer health care can bring the out-of-control health care costs under control. Single payer health care would spread the cost of health care over all of the population except those already covered by Medicare, which is a single payer system already. All persons would participate with much lower premiums than they are currently paying for Health insurance from the current private health care insurance industry. Like Medicare a single payer health care system could allow for supplemental private health care insurance like the supplemental insurance policies that many currently on Medicare have to cover additional expenses that medicare does not fully cover. We have supplemental health insurance to cover costs not covered by Medicare Part B at a premium that is 1/3 of the cost of full coverage healthcare insurance. We have no out-of -pocket expenses as a result. We have the choice of doctors and hospitals. Medicare works very well.
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09:09 AM on 03/27/2012
Totally agree with you except for the supplemental Medicare Advantage that the Repub/Bush passed in 2003 that takes 20% of our Medicare dollars and gives it to for profit ins co. If that money would stay strictly with Medicare we would not be having the problems we are having today. If people want more choices they can pay the additional for this added benefit but our Medicare dollars should not be used. Also If we did go with Single payer which I refer to as Medicare A we could charge a small sales tax on everything including food ,gas, clothings , web sales and this would mean everyone then is in some way contributing to their healthcare costs :)
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HUFFPOST SUPER USER
antmousie
11:38 PM on 03/26/2012
Thanks again, Mr Potter. Your insights are always appreciated.
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Agathon
Wherever you go, there you are.
10:43 PM on 03/26/2012
Health care should be a right that is paid for by all of our taxes, and enjoyed by us all. If unemployment and joblessness are an issue, then deal with that as its own problem. Anyone who thinks a human should be made to suffer because he or she doesn't have money is not much of a human hemselves.
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Mac Howard
Thank god we got convicts, you got the puritans
10:14 PM on 03/26/2012
The failure of many Americans to grasp the benefits of a universal health care system (along with your gun laws) is what causes we non-Americans to roll our eyes and say "only in America". There seems to be both a lack of compassion and enlightened self-interest in both cases - compassion because it's the disadvantaged in society who suffer the anxiety and reality of no health care and intellect because there's a failure to recognise that any one of us can suffer an event that renders us unable to fund health care costs and require the community as a whole to do it for us.

I shall read on into the thread in the hope that I see a rational argument against such a system. At the moment I have seen none.

I will preempt a misguided argument I've answered on another thread earlier this morning: we in countries that do have such a system support it to the hilt. Yes, we complain, but, like the mother of a favourite son, we simply want it to be even better. We would riot if any government attempted to even water down our beloved health care system. The conservative government in Britain is currently tinkering with the system in its cost cutting budgetary activities and the opposition is already building to a crescendo.

So, don't let anyone tell you that, if you got a worthwhile universal system, you'd would regret it. You would come to love it as we do!
HUFFPOST SUPER USER
bestoftimes1
09:57 PM on 03/26/2012
First lie, no proof what so ever people died from the doughnut hole, why the lie?
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Snoopie141
Please don't follow shiny objects.
10:21 PM on 03/26/2012
How would you know? When a senior cant afford to buy their meds they quit, they die, and it would be chaulked up to be "old age" or something like that. I do know seniors that are /were in this boat of by meds or eat...which do you think they did?

But here is a article that talks about it some :
http://www.huffingtonpost.com/2009/12/04/medicare-doughnut-hole-se_n_380316.html
HUFFPOST SUPER USER
DDay52
An Independent mind with Progressive ideas
12:21 PM on 03/28/2012
The only lies being told are from Republicans!
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HUFFPOST SUPER USER
niceshoes60
01:50 AM on 03/27/2012
This is a terrifying reality for many seniors on fixed incomes. My dad was a social worker for a non-profit for many years (something conservatives tout as the answer to social ills), and his salary was so low that he could not afford to pay into retirement - and thank goodness my mom had a great healthcare plan! Yes, it was his choice to stay at the job, but he believed it was his "calling" to serve his community this way. Now, as a senior who has cancer, I think the least his community can do for him is to ensure there is no "donut hole" in his prescription drug coverage.
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HUFFPOST PUNDIT
Maezeppa
Happy-Happy Joy-Joy
09:54 PM on 03/26/2012
Mr. Potter, if you read this, please know I am a huge admirer of you and your efforts.   Thank you so much for being such a terrific citizen and example.
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HUFFPOST SUPER USER
Lon Calhoun
Obama whats with the gas prices
05:26 PM on 04/01/2012
Im sure the praise of a crossdresser is not what he is looking for
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HUFFPOST PUNDIT
Maezeppa
Happy-Happy Joy-Joy
06:38 PM on 04/01/2012
Then don't praise him.