Ways N.C. can tell the feds to take a flying leap

Posted by Benji Riggins on January 28, 2010 under Insurance News | Be the First to Comment

Republican leaders in the North Carolina General Assembly say they want to protect North Carolinians from the Democratic-sponsored health care plan being debated in Washington.

So, they’ve come up with a plan to insulate state residents.

They want to exempt North Carolinians from a requirement that everyone carry health insurance.

“Republicans will not stand idly by and watch as citizens’ rights to make their own health care decisions are taken from them by the federal government,” Republican Senate leader Phil Berger said of national health care reform.

Republicans here are following the same game plan as those in other states, where similar efforts are underway. Arizona legislators have already agreed to put a ballot initiative before state voters to allow the state to “opt out” of a federal health care plan.

State House Speaker Joe Hackney, a Democrat, denounced the Republican talk as a political stunt. He apparently believes that thing called the U.S. Constitution might present a significant hurdle.

But why be so rash, so quick to condemn an idea that could hold all kinds of promise?

In fact, why not expand upon the proposal? Perhaps Republicans and Democrats could finally come together over a single purpose, the passing of an Omnibus Federal Exemption Act. Just imagine how many ways North Carolina could tell the federal government to go take a flying leap off a cliff.

The easy one here, of course, is an exemption from federal taxes. Legislators could call this one the Incumbency Protection Amendment. Who wouldn’t vote another term for the entire legislature after having your federal tax debt wiped clean? No more would North Carolina have to worry about sending more money to Washington than it gets back. The provision naturally would include an exemption from Internal Revenue Service audits.

Out in the business world, exemptions from federal labor laws would be popular. Eighty-hour work weeks with no overtime, paying men and women unequal pay, and eliminating the minimum wage could be the bold, new frontier of establishing North Carolina as the most business-friendly state in the country.

State lawmakers could exempt political donors from federal campaign giving limits. Oh, never mind. The Supreme Court is already handling that exemption.

In North Carolina, No Child Left Behind could become Kiss My Behind. All schools would be granted an exemption to the federal school accountability law. Current and future federal education secretaries would be banned from entering the state.

Finally, one way of creating a truly omnibus bill would be to exempt all North Carolinians from prosecution for violations of any federal law. This provision would be especially popular among certain former political officeholders and a few of their close friends.

Of course, this approach might create a few unforeseen problems. After all, the last time North Carolina told the feds to go jump in a lake, some fellow named Sherman burned and pillaged his way across the state.

Scott Mooneyham writes about North Carolina government and politics for the Capitol Press Association.

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What you don’t know can kill you – Health Insurance limitations

Posted by Benji Riggins on April 3, 2009 under Articles | Be the First to Comment

Health insurance often requires a mountain of paperwork that has a lot of fine print. Unfortunately, this means that few people read their plans thoroughly nor do they fully understand what their plan covers or does not cover. Here are some common limitations in health insurance coverage that you should know.

 

Some of the most shocking health insurance limitations are found in the the fine print holes in the insurance policy. For instance, many people have found that their health insurance did not cover a routine or necessary medical procedure because they did not receive an authorization code prior to the procedure or the hospital did not correctly fill out the paperwork. Your medical claim can be denied simply because the hospital used odd codes for your treatment. While any claims denied by the insurance company can be disputed, this process is not only tedious, but time-consuming and draining, especially for someone who is already ill. There is also little success in winning disputed claims, which makes this option rather limiting.

 

Another surprising health insurance limitation happens more often than people realize. Imagine this situation: you are diagnosed with a medical condition and need an operation. You research surgeons and hospitals within your plan. You understand your plan’s coverage of hospital care. You have your operation and then you find a massive medical bill in the mail. Apparently your health insurance did not cover the anesthesiologist or other specialists that may have consulted in your operation. Thus, you have to pay these specialists for their services, even though you were under the impression that your plan would cover these costs associated with the surgery. Such a bill can be in the thousands of dollars, and there is little you can do to dispute the charges. The only way to avoid these charges is to make sure that you ask before the operation who will be involved and ensure that they are covered in your health insurance plans.

 

Other limitations are put on a number of treatments. For instance, you may need physical therapy or visits to a psychiatrist. Many health insurance plans will put a limit on the number of covered visits for such medical treatment. Without realizing it, you may surpass the maximum visits allowed by your health insurance and end up racking up huge bills.

 

Many people think that buying health insurance will cover them medically, but this is only correct to a point. When securing insurance, you should read through your health insurance package carefully, and when you are about to undergo any expensive medical procedure, be sure to consult your health insurance plan first.

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