Into the Void

I haven’t been blogging for quite a while. There’s no real reason for it, only excuses.

I love being a geekess, a technician, and engineer.  Science is my beautiful, ever-changing universe.

But as the years go by it gets more and more difficult to maintain my concentration for an entire 8-hour day. My job performance is so inconsistent that I can’t be counted on to complete a task on schedule. On my last job my boss wanted to lower my already obscenely low pay even lower.

So I applied for SSDI.  They turned me down, of course, which means I have 12 – 16 months to wait for the appeal.  Binder and Binder is representing me and that’s a real plus.  On the minus side my psychiatrist of 21 years, the keystone in my SSDI claim, passed away suddenly in December. I will have to find another and be evaluated before the appeal comes up. He was in his early 60s, in great health, a really happy guy. It was quite a shock.

RIP, Lynn Cobb Montgomery. He was not only an excellent, caring physician, but he was a bright light in the community, loved and respected by many. He will be greatly missed.

<rant>In the meantime I have no income.  My cat earns more than I do.  I have reduced some of my expenses by downgrading cell phone, health insurance, auto insurance, and even my web host.  I am working on getting cash assistance, food stamps, and medical assistance to help pay for insurance.  I can’t be without health insurance.  I can’t be without psych or asthma meds.</rant>

Enough whining for today.  There is much work to do.

This refers to a previous bailout, not to the latest ripoff.

H. R. 1424: Emergency Economic Stabilization Act of 2008

Here is the full text, and I suggest that everybody read this bill. It was pushed through with only a couple of days debate by lawyers who have little understanding of the workings of Wall Street or The Fed, and who have huge financial interest in the institutions that will benefit from it. To add insult to injury, they tacked a lot of pork barrel spending onto it to BRIBE Congress to agree to it.
http://www.house.gov/apps/list/press/financialsvcs_dem/essabill.pdf

Some comments:

“To amend section 712 of the Employee Retirement Income
Security Act of 1974, section 2705 of the Public Health
Service Act, section 9812 of the Internal Revenue Code
of 1986 to require equity in the provision of mental
health and substance-related disorder benefits under
group health plans, to prohibit discrimination on the
basis of genetic information with respect to health insurance
and employment, and for other purposes.”

This means that you only get parity if your employer provides your insurance AND that insurance already has mental health coverage. It doesn’t seem to require them to cover it. How many of you all work full-time?

There is a cost exemption so to limit mental health coverage if it increases costs by some undetermined amount. The insurance companies can still deny claims bases on their definition of “medical necessity” or by their definition of “reasonable and customary” services.

‘‘(2) COST EXEMPTION.—
6 ‘‘(A) IN GENERAL.—With respect to a
7 group health plan (or health insurance coverage
8 offered in connection with such a plan), if the
9 application of this section to such plan (or cov
10 erage) results in an increase for the plan year
11 involved of the actual total costs of coverage
12 with respect to medical and surgical benefits
13 and mental health and substance use disorder
14 benefits under the plan (as determined and cer
15 tified under subparagraph (C)) by an amount
16 that exceeds the applicable percentage described
17 in subparagraph (B) of the actual total plan
18 costs, the provisions of this section shall not
19 apply to such plan (or coverage) during the fol
20 lowing plan year, and such exemption shall
21 apply to the plan (or coverage) for 1 plan year.”

Discrimination on the basis of genetic information only affects illnesses for which genetic tests have been developed. This bill ignores a lot of of the provisions of the ADA, while modifying ERISA in ways that are completely meaningless. I am concerned that this will weaken the ADA by tightening the definitions to exclude non-genetic diseases.

Specific diagnoses this bill applies to will be determined by the GAO, which has 3 years to study it and present a report.

“(h) GAO STUDY ON COVERAGE AND EXCLUSION OF
4 MENTAL HEALTH AND SUBSTANCE USE DISORDER DIAG5
NOSES.—
6 (1) IN GENERAL.—The Comptroller General of
7 the United States shall conduct a study that ana8
lyzes the specific rates, patterns, and trends in cov9
erage and exclusion of specific mental health and
10 substance use disorder diagnoses by health plans
11 and health insurance.”

Congress can continue to modify this Act.

I doubt this will change anything in the near future.

A few years from now you’re going to hear Congressdroids bitching because they didn’t have enough time to collect the facts before enacting this bill. Listen to them whine about how they were boondoggled into exercising the Bush Doctrine on Iraq.

I am thankful that I live a relatively simple, frugal life. This post is a little late, I’m just coming off a mental health vacation where I disconnected from a lot of my life. Fortunately much of my life goes on without my actual presence.

As a perpetual pessimist with a long memory, I can’t say I was surprised by the real estate crash, the gas prices, or even the stock market’s power dive. I’ve actually been shoring myself up for it. Worst case we have some canned goods in the basement. We bought a small house that we could afford on only one salary, unlike the IDIOTS who bought houses they couldn’t afford. The idiots that my tax money is going to bail out.

Does anyone here not know that when the government gives out money, a lot of it comes from my income taxes? (The rest of it comes from foreign investors.)

My retirement account has been hemorrhaging money. I don’t expect to ever actually retire, having blown my retirement funds out a couple of times on bad investments – or on toys – during hypomanias. It would have been nice to have spent my losses on alcohol and drugs instead.

My health insurance just went up. It’s 1/3 of my monthly salary. I’m looking into cheaper insurance and an HSA.

I have a small car that sips gas and I have no pity for people who complain about $100+ to fill up their Stupid Useless Vehicles.

http://www.house.gov/apps/list/press/financialsvcs_dem/essabill.pdf

The above link is to the full text of the bailout bill, and I suggest that everybody read this bill. It was pushed through with only a couple of days debate by lawyers who have little understanding of the workings of Wall Street or The Fed. And they tacked a lot of pork barrel spending onto it to BRIBE Congress to agree to it. Unfortunately, mental health parity verbiage was tacked onto the bill with the pork. NAMI, of course, is celebrating the bill for its own sake without regard to what effect it will have, or when. Having appeased the mental health lobby, congress is off the hook as far as enacting any further legislation. Way to go!
http://www.house.gov/apps/list/press/financialsvcs_dem/essabill.pdf

“To amend section 712 of the Employee Retirement Income
Security Act of 1974, section 2705 of the Public Health
Service Act, section 9812 of the Internal Revenue Code
of 1986 to require equity in the provision of mental
health and substance-related disorder benefits under
group health plans, to prohibit discrimination on the
basis of genetic information with respect to health insurance
and employment, and for other purposes.”

This means that you only get parity if your employer provides your insurance AND that insurance already has mental health coverage. It doesn’t seem to require them to cover it in the first place. It also doesn’t appear to apply to private health insurance.

There is a cost exemption so to limit mental health coverage if it increases costs by some undetermined amount. The insurance companies can still deny claims bases on their definition of “medical necessity” or by their definition of “reasonable and customary” services.

??(2) COST EXEMPTION.?
6 ??(A) IN GENERAL.?With respect to a
7 group health plan (or health insurance coverage
8 offered in connection with such a plan), if the
9 application of this section to such plan (or cov
10 erage) results in an increase for the plan year
11 involved of the actual total costs of coverage
12 with respect to medical and surgical benefits
13 and mental health and substance use disorder
14 benefits under the plan (as determined and cer
15 tified under subparagraph (C)) by an amount
16 that exceeds the applicable percentage described
17 in subparagraph (B) of the actual total plan
18 costs, the provisions of this section shall not
19 apply to such plan (or coverage) during the fol
20 lowing plan year, and such exemption shall
21 apply to the plan (or coverage) for 1 plan year.”

Discrimination on the basis of genetic information only affects illnesses for which genetic tests have been developed. This bill ignores a lot of of the provisions of the ADA, while modifying ERISA quite a bit. I am concerned that this will weaken the ADA by tightening the definitions to exclude non-genetic diseases.

Specific diagnoses this bill applies to will be determined by the GAO, which has 3 years to study it and present a report. Once the beancounters are through will this bill, we’ll have no more than we had the day before the bill passed.

(h) GAO STUDY ON COVERAGE AND EXCLUSION OF
4 MENTAL HEALTH AND SUBSTANCE USE DISORDER DIAG5
NOSES.?
6 (1) IN GENERAL.?The Comptroller General of
7 the United States shall conduct a study that ana8
lyzes the specific rates, patterns, and trends in cov9
erage and exclusion of specific mental health and
10 substance use disorder diagnoses by health plans
11 and health insurance.”

I doubt this will change anything in the near future.

A few years from now you’re going to hear Congressdroids bitching because they didn’t have enough time to collect the facts before enacting this bill.