<HTML><HEAD>
<META content="text/html; charset=utf-8" http-equiv=content-type></HEAD>
<BODY dir=ltr>
<DIV dir=ltr>
<DIV style="FONT-SIZE: 12pt; FONT-FAMILY: 'Calibri'; COLOR: #000000">
<DIV>Just an added note. Today in that conference, one of the Idaho
authorities who articulately expresses the benefits of Medicaid Expansion stated
“every day, in Idaho, two people die because they cannot afford medical
care.” Her other data were right on, so I have no reason to believe this
is just made up for the sake of rhetoric.</DIV>
<DIV> </DIV>
<DIV>Sue H. </DIV>
<DIV
style="FONT-SIZE: small; FONT-FAMILY: 'Calibri'; FONT-WEIGHT: normal; COLOR: #000000; FONT-STYLE: normal; TEXT-DECORATION: none; DISPLAY: inline">
<DIV style="FONT: 10pt tahoma">
<DIV> </DIV>
<DIV style="BACKGROUND: #f5f5f5">
<DIV style="font-color: black"><B>From:</B> <A title=suehovey@moscow.com
href="mailto:suehovey@moscow.com">Sue Hovey</A> </DIV>
<DIV><B>Sent:</B> Saturday, October 26, 2013 7:39 PM</DIV>
<DIV><B>To:</B> <A title=ngier006@gmail.com
href="mailto:ngier006@gmail.com">Nicholas Gier</A> </DIV>
<DIV><B>Cc:</B> <A title=rforce2003@yahoo.com
href="mailto:rforce2003@yahoo.com">Ron Force</A> ; <A
title=vision2020@moscow.com
href="mailto:vision2020@moscow.com">vision2020@moscow.com</A> </DIV>
<DIV><B>Subject:</B> Re: [Vision2020] Story abut Obama Care in Chicago Tribune
Oct.15, 2012</DIV></DIV></DIV>
<DIV> </DIV></DIV>
<DIV
style="FONT-SIZE: small; FONT-FAMILY: 'Calibri'; FONT-WEIGHT: normal; COLOR: #000000; FONT-STYLE: normal; TEXT-DECORATION: none; DISPLAY: inline">
<DIV><SPAN></SPAN></DIV>
<DIV>
<DIV><BR>Nick, I keep hoping you are wrong...that the American people will
realize medical care should not be tied to jobs and that we will eventually
accept the idea of a single payer system. Idaho citizens should be working
diligently for that policy, but instead we talk about how the Affordable Care
Act is going to increase premiums, etc. Well even with this condition,
many folks are paying less. I was in a conference today where several
Idaho citizens discussed their savings, and others expressed their inability to
get coverage because Idaho has chosen not to extend medicaid to cover their
needs. Additionally, spreading the cost among all citizens will obviously
mean some people pay more. But they will save in other way. Should
we decide to expand Medicaid to the point the federal govt allows, our savings
will be huge, and even more importantly, the whole system will be fairer for low
income Idaho citizens. </DIV>
<DIV> </DIV>
<DIV>Roger asks, as if this were a fairness question, "Should Christian
Scientists be required to pay for insurance?" Of course, and not just
because they do use medical facilities in many circumstances. Should
groups opposed to family planning have to pay for those coverages?
Certainly. Freedom of religious thought does not mean you can impose your
beliefs on others. Remember the days when signs in restaurants read, "We
reserve the right to refuse service to anyone?" Well as a nation we have
decided if you are in business you can't refuse to serve certain racial groups
just because you are a bigot. So I keep hoping our national will
will change, that we will understand a person's health should never be tied to
her/his pocketbook. Medicare has created that blessing for the
elderly. Should it not extend to those who are children? And to
those who work to pay the taxes we use as retired citizens? Is it
socialistic? Do I care? Thanks for all the good points you make.</DIV>
<DIV> </DIV>
<DIV>Sue H. </DIV>
<DIV> </DIV>
<DIV> </DIV>
<DIV><BR>Sent from my iPad</DIV>
<DIV><BR>On Oct 26, 2013, at 1:18 PM, Nicholas Gier <<A
href="mailto:ngier006@gmail.com">ngier006@gmail.com</A>> wrote:<BR><BR></DIV>
<BLOCKQUOTE type="cite">
<DIV>
<DIV dir=ltr>Just one more, of many, reasons we should have single-payer (the
government) universal health care. Health care costs were be leveled out
across the nation, and no one would be penalized for living in a Western
Paradise. Those who are against single-payer is the ones who will be
hurt the most. Talk about voting against your own self-interest!
<DIV> </DIV>
<DIV>It could have been done 50 years ago when the insurance companies weren't
well entrenched, but now it would be virtually impossible.</DIV>
<DIV> </DIV>
<DIV>Nick</DIV></DIV>
<DIV class=gmail_extra><BR><BR>
<DIV class=gmail_quote>On Sat, Oct 26, 2013 at 12:48 PM, Ron Force <SPAN
dir=ltr><<A href="mailto:rforce2003@yahoo.com"
target=_blank>rforce2003@yahoo.com</A>></SPAN> wrote:<BR>
<BLOCKQUOTE class=gmail_quote
style="PADDING-LEFT: 1ex; MARGIN: 0px 0px 0px 0.8ex; BORDER-LEFT: #ccc 1px solid">
<DIV>
<DIV
style="FONT-SIZE: 10pt; FONT-FAMILY: helveticaneue,helvetica neue,helvetica,arial,lucida grande,sans-serif">
<DIV><SPAN>Few Drs, hospitals, insurers = no competition= higher prices.
Just another expense for "livin' in the country".</SPAN></DIV>
<DIV
style="FONT-SIZE: 13px; FONT-FAMILY: helveticaneue,'Helvetica Neue',helvetica,arial,'Lucida Grande',sans-serif; FONT-STYLE: normal; BACKGROUND-COLOR: transparent"><SPAN><BR></SPAN></DIV>
<DIV
style="FONT-SIZE: 13px; FONT-FAMILY: helveticaneue,'Helvetica Neue',helvetica,arial,'Lucida Grande',sans-serif; FONT-STYLE: normal; BACKGROUND-COLOR: transparent"><SPAN><A
href="http://www.nytimes.com/2013/10/24/business/health-law-fails-to-keep-prices-low-in-rural-areas.html?_r=0"
target=_blank>http://www.nytimes.com/2013/10/24/business/health-law-fails-to-keep-prices-low-in-rural-areas.html?_r=0</A><BR></SPAN></DIV>
<DIV
style="FONT-SIZE: 13px; FONT-FAMILY: helveticaneue,'Helvetica Neue',helvetica,arial,'Lucida Grande',sans-serif; FONT-STYLE: normal; BACKGROUND-COLOR: transparent"> </DIV>
<DIV
style="MARGIN-BOTTOM: 1em; FONT-SIZE: 1.5em; FONT-FAMILY: georgia,'times new roman',times,serif; MARGIN-TOP: 0px; LINE-HEIGHT: 1.46em">...Some
say the arrival of a co-op changed the landscape in Montana, where the
insurers Blue Cross and <U></U>PacificSource<U></U> were joined by Montana
Health CO-OP.</DIV>
<DIV
style="MARGIN-BOTTOM: 1em; FONT-SIZE: 1.5em; FONT-FAMILY: georgia,'times new roman',times,serif; MARGIN-TOP: 0px; LINE-HEIGHT: 1.46em">In
neighboring Wyoming, two insurers are offering plans under the exchange:
Blue Cross and WINHealth, a small health maintenance organization, or
<U></U>H.M.O.<U></U> The cheapest silver plan available to a 50-year-old in
Wyoming cost nearly as much as the most expensive Montana plan.</DIV>
<DIV
style="MARGIN-BOTTOM: 1em; FONT-SIZE: 1.5em; FONT-FAMILY: georgia,'times new roman',times,serif; MARGIN-TOP: 0px; LINE-HEIGHT: 1.46em">“Adding
that third competitor really changes the landscape vastly,” said Jerry
Dworak, chief executive of the Montana co-op. He said the other insurers had
predicted that their rates would be 25 percent higher in the marketplace,
but those increases did not materialize. “It was amazing how close the rates
were,” he said...</DIV>
<DIV
style="MARGIN-BOTTOM: 1em; FONT-SIZE: 1.5em; FONT-FAMILY: georgia,'times new roman',times,serif; MARGIN-TOP: 0px; LINE-HEIGHT: 1.46em"><STRONG>...The
Rural Problem</STRONG></DIV>
<DIV
style="MARGIN-BOTTOM: 1em; FONT-SIZE: 1.5em; FONT-FAMILY: georgia,'times new roman',times,serif; MARGIN-TOP: 0px; LINE-HEIGHT: 1.46em">In
rural regions, several factors combine to create a landscape that is
inhospitable to newcomers. Developing relationships with doctors and
hospitals can be costly where cities and towns are widely scattered and the
pool of potential customers is small.</DIV>
<DIV
style="MARGIN-BOTTOM: 1em; FONT-SIZE: 1.5em; FONT-FAMILY: georgia,'times new roman',times,serif; MARGIN-TOP: 0px; LINE-HEIGHT: 1.46em">“I
think the problem was that the <U></U>Affordable Care Act<U></U> was
designed for where the majority of the people live, in the big cities where
there’s a lot of competition among health care providers,” said Tom Hirsig,
Wyoming’s insurance commissioner.</DIV>
<DIV
style="MARGIN-BOTTOM: 1em; FONT-SIZE: 1.5em; FONT-FAMILY: georgia,'times new roman',times,serif; MARGIN-TOP: 0px; LINE-HEIGHT: 1.46em">He
said insurers simply did not find his state, with its population of fewer
than 600,000, attractive.</DIV>
<DIV
style="MARGIN-BOTTOM: 1em; FONT-SIZE: 1.5em; FONT-FAMILY: georgia,'times new roman',times,serif; MARGIN-TOP: 0px; LINE-HEIGHT: 1.46em">“You’ve
got to have some bargaining chips and we don’t have that much,” he
said.</DIV>
<DIV
style="MARGIN-BOTTOM: 1em; FONT-SIZE: 1.5em; FONT-FAMILY: georgia,'times new roman',times,serif; MARGIN-TOP: 0px; LINE-HEIGHT: 1.46em">Often
a single hospital dominates an area, giving insurers little leverage when
negotiating reimbursement rates. Only one Wyoming county is served by more
than one hospital, said Stephen K. Goldstone, the chief executive of
WINHealth.</DIV>
<DIV
style="MARGIN-BOTTOM: 1em; FONT-SIZE: 1.5em; FONT-FAMILY: georgia,'times new roman',times,serif; MARGIN-TOP: 0px; LINE-HEIGHT: 1.46em">“What
it costs to be treated here is more expensive than other places because
there’s no competition among providers,” Mr. Goldstone said.</DIV>
<DIV
style="MARGIN-BOTTOM: 1em; FONT-SIZE: 1.5em; FONT-FAMILY: georgia,'times new roman',times,serif; MARGIN-TOP: 0px; LINE-HEIGHT: 1.46em">In
southwest Georgia, another rural region, Blue Cross and Blue Shield of
Georgia is the dominant carrier, and it is the only insurer operating in 54
of the state’s 159 counties.</DIV>
<DIV
style="MARGIN-BOTTOM: 1em; FONT-SIZE: 1.5em; FONT-FAMILY: georgia,'times new roman',times,serif; MARGIN-TOP: 0px; LINE-HEIGHT: 1.46em">“This
has been what Georgia’s issues have been, that rural areas don’t have the
best access to care,” said Amanda Ptashkin of Georgians for a Healthy
Future, a consumer advocacy group.</DIV>
<DIV
style="MARGIN-BOTTOM: 1em; FONT-SIZE: 1.5em; FONT-FAMILY: georgia,'times new roman',times,serif; MARGIN-TOP: 0px; LINE-HEIGHT: 1.46em"><U></U>Bert
Kelly<U></U>, a spokesman for Blue Cross and Blue Shield of Georgia, which
is owned by WellPoint, said the higher premiums reflected the area’s higher
medical costs and not a lack of competition...</DIV>
<DIV
style="MARGIN-BOTTOM: 1em; FONT-SIZE: 15px; FONT-FAMILY: georgia,'times new roman',times,serif; FONT-STYLE: normal; MARGIN-TOP: 0px; LINE-HEIGHT: 1.46em; BACKGROUND-COLOR: transparent">...It
is also difficult to attract new insurers to areas where the population has
health problems. Only one carrier, Highmark Blue Cross, is offering coverage
in West Virginia, which has high rates of obesity and chronic diseases like
diabetes...<BR></DIV>
<DIV></DIV>
<DIV> </DIV>
<DIV>Ron Force<BR>Moscow Idaho USA</DIV>
<DIV style="DISPLAY: block"><BR><BR>
<DIV
style="FONT-SIZE: 10pt; FONT-FAMILY: helveticaneue,'Helvetica Neue',helvetica,arial,'Lucida Grande',sans-serif">
<DIV
style="FONT-SIZE: 12pt; FONT-FAMILY: helveticaneue,'Helvetica Neue',helvetica,arial,'Lucida Grande',sans-serif">
<DIV dir=ltr><FONT face=Arial>On Friday, October 25, 2013 1:35 PM, Scott
Dredge <<A href="mailto:scooterd408@hotmail.com"
target=_blank>scooterd408@hotmail.com</A>> wrote:<BR></FONT></DIV>
<BLOCKQUOTE
style="PADDING-LEFT: 5px; MARGIN-LEFT: 5px; BORDER-LEFT: rgb(16,16,255) 2px solid; MARGIN-TOP: 5px">
<DIV>
<DIV>
<DIV>
<DIV dir=ltr>
<H1><FONT style="FONT-SIZE: 10pt"></FONT><FONT style="FONT-SIZE: 12pt"
size=3 face=Calibri>Obamacare fails to lower prices in rural areas.
Fortunately for Obama and the Dems, those are regions that vote Republican
anyway, so it will have zero effect on future elections.</FONT><BR
clear=none></H1><A href="http://www.cnbc.com/id/101140469" shape=rect
rel=nofollow target=_blank>http://www.cnbc.com/id/101140469</A><BR
clear=none><BR clear=none><BR clear=none>
<DIV>
<DIV>
<HR>
Date: Fri, 25 Oct 2013 10:49:29 -0700<BR clear=none>To: <A
href="mailto:ngier006@gmail.com" target=_blank>ngier006@gmail.com</A>; <A
href="mailto:ngier@uidaho.edu" target=_blank>ngier@uidaho.edu</A><BR
clear=none>From: <A href="mailto:lfalen@turbonet.com"
target=_blank>lfalen@turbonet.com</A><BR clear=none>CC: <A
href="mailto:vision2020@moscow.com"
target=_blank>vision2020@moscow.com</A><BR clear=none>Subject: Re:
[Vision2020] Story abut Obama Care in Chicago Tribune Oct.15, 2012<BR
clear=none><BR clear=none>
<DIV dir=ltr>
<DIV dir=ltr>Nick<BR clear=none>Again you are twisting my words. I did not
say that heath care was like a religion. What I said was that the
beliefs about it were, in that both sides are going to stick to their
ideology regardless of any facts. There are a lot of comments like yours
in support of it. Likewise there is considerable data put out by the right
that points up the deficiencies. I do not believe that either side is 100%
percent correct. I have read a lot of articles that point out the
deficiencies. Going back and finding those articles would require a lot of
time. I did a search on Bing looking for data showing what is wrong with
it. I found a long list of websites. I waited about 15 minuets for one to
come up, which it never did. At that point I said "to hell with it" Some
one with a better computer than mine, needs to take up the debate.<BR
clear=none> <BR clear=none>Roger<BR clear=none><BR clear=none>
<DIV></DIV><BR clear=none>
<BLOCKQUOTE
style="FONT-SIZE: 13px; FONT-FAMILY: tahoma,helvetica,sans-serif; PADDING-LEFT: 1em; BORDER-LEFT: blue 2px solid"
dir=ltr>
<HR SIZE=1>
-----Original Message-----<BR clear=none>From: "Gier, Nicholas" <<A
href="mailto:ngier@uidaho.edu" target=_blank>ngier@uidaho.edu</A>><BR
clear=none>To: lfalen <<A href="mailto:lfalen@turbonet.com"
target=_blank>lfalen@turbonet.com</A>>, "Nicholas Gier" <<A
href="mailto:ngier006@gmail.com"
target=_blank>ngier006@gmail.com</A>><BR clear=none>Cc: "vision 2020"
<<A href="mailto:vision2020@moscow.com"
target=_blank>vision2020@moscow.com</A>><BR clear=none>Date: 10/24/13
11:29<BR clear=none>Subject: RE: [Vision2020] Story abut Obama Care in
Chicago Tribune Oct.15, 2012<BR clear=none><BR
clear=none></BLOCKQUOTE></DIV></DIV></DIV></DIV></DIV></DIV>
<DIV>
<DIV>
<DIV
style="FONT-SIZE: 12pt; FONT-FAMILY: calibri,arial,helvetica,sans-serif">Hi
Roger,<BR clear=none><BR clear=none>Just catching up on this thread.
I'm sorry, but health care is not like religion; it is not a matter of
faith-except for the 46 million uninsured Americans, many of whom pray to
God that they don't get sick.<BR clear=none><BR clear=none>The two stories
in the Chicago Tribune do not conflict. Obama has said that some premiums
will go up, but current analysis,as the second story demonstrates, is that
on average premiums will be lower.<BR clear=none><BR clear=none>One does
not have fall back on faith to know that single-payer universal systems
have worked for decades, providing better health results in most instances
and for less than half the cost in many countries.<BR clear=none><BR
clear=none>With regard to Canada, you again are mixing the anecdotal with
the general record. Some elective procedures are rationed in Canada,
so if you don't want to wait, you can choose to cross the border for
care. Many Americans cross the border for much cheaper drugs, and
many people here in Bellingham cross the border for good and cheaper
dental care.<BR clear=none><BR clear=none>My daughter, who lives in
Edmonton, forgot to bring enough MS shots with her when she visited this
summer. They are listed $50 per dose in Canada, but she pays
nothing. When we called around in Moscow, the cost was $2,000!
She and her husband packed up and left for home one week earlier. We
of course were sad to see them leave for such an outrageous reason.<BR
clear=none><BR clear=none>MS treatments are not rationed in Canada. One
month after diagnosis, my daughter had a neurologist, an MS nurse, and an
MS counselor, and access to the current research at a clinic at the
University of Alberta. She also had her drugs immediately and
without cost, and she has never received a bill.<BR clear=none><BR
clear=none>In stark contrast is a Moscow friend of mine, who had to wait
three years to qualify for Medicaid and to receive care and drugs.
He is now wheel chair bound and has 24-hour care at a cost to society much
more than if he had been treated when he should have been.<BR
clear=none><BR clear=none>According to a Harvard study, there are 40,000
Americans who suffer preventable deaths each year. We rank 19th in
the world for preventable deaths.<BR clear=none><BR clear=none>I'll take
reason, not faith, for health care any day, and I hope you will change
your mind on this.<BR clear=none><BR clear=none>Nick<BR clear=none>
<DIV style="COLOR: rgb(40,40,40)">
<HR style="DISPLAY: inline-block; WIDTH: 98%">
<DIV dir=ltr> <FONT style="FONT-SIZE: 11pt" color=#000000
face="Calibri, sans-serif"><B>From:</B> <A
href="mailto:vision2020-bounces@moscow.com"
target=_blank>vision2020-bounces@moscow.com</A> <<A
href="mailto:vision2020-bounces@moscow.com"
target=_blank>vision2020-bounces@moscow.com</A>> on behalf of lfalen
<<A href="mailto:lfalen@turbonet.com"
target=_blank>lfalen@turbonet.com</A>><BR clear=none><B>Sent:</B>
Friday, October 18, 2013 10:37 AM<BR clear=none><B>To:</B> Nicholas
Gier<BR clear=none><B>Cc:</B> vision 2020<BR clear=none><B>Subject:</B>
Re: [Vision2020] Story in Chicago Tribune Oct.15, 2012</FONT>
<DIV> </DIV> </DIV>
<DIV>
<DIV dir=ltr>
<DIV dir=ltr>Very foggy here this morning. My wife just got back from
putting on the State Soils Contest at Burley. She said that there was a
major wreak just south of Genesee.<BR clear=none> <BR clear=none>On
your post. These are two different stories in the same paper. Who is to
say which is right. Maybe both to some extent. There are a lot of opposing
arguments out there. We will have to wait and see who is right. Maybe
neither. It is like religion. Everyone has their version of the gospel.
Kind of like the Canadian system. Some swear by it, but a lot of those
with money come to the states for treatment.<BR clear=none>Roger<BR
clear=none>Incidentally I am mostly in agreement with Saundra's last two
posts. For your information I also supported Otter's Heath Insurance
Exchanges.<BR clear=none><BR clear=none> <BR clear=none>
<DIV></DIV><BR clear=none>
<BLOCKQUOTE
style="FONT-SIZE: 13px; FONT-FAMILY: tahoma,helvetica,sans-serif; PADDING-LEFT: 1em; BORDER-LEFT: blue 2px solid"
dir=ltr>
<HR SIZE=1>
-----Original Message-----<BR clear=none>From: "Nicholas Gier" <<A
href="mailto:ngier006@gmail.com"
target=_blank>ngier006@gmail.com</A>><BR clear=none>To: lfalen <<A
href="mailto:lfalen@turbonet.com"
target=_blank>lfalen@turbonet.com</A>><BR clear=none>Cc: "Sunil
Ramalingam" <<A href="mailto:sunilramalingam@hotmail.com"
target=_blank>sunilramalingam@hotmail.com</A>>, "vision 2020" <<A
href="mailto:vision2020@moscow.com"
target=_blank>vision2020@moscow.com</A>><BR clear=none>Date: 10/17/13
10:53<BR clear=none>Subject: Re: [Vision2020] Story in Chicago Tribune
Oct.15, 2012<BR clear=none><BR clear=none>
<DIV dir=ltr>
<DIV style="LINE-HEIGHT: 150%"><SPAN
style="FONT-FAMILY: georgia,serif; COLOR: black">Hi Roger,</SPAN></DIV>
<DIV style="LINE-HEIGHT: 150%"><B><SPAN
style="FONT-FAMILY: georgia,serif; COLOR: black"><BR
clear=none></SPAN></B></DIV>
<DIV style="LINE-HEIGHT: 150%"><FONT color=#000000
face="Georgia, serif">With your example of the one nurse I believe that
you have committed the fallacy of generalizing from a very small sample.
See the story from the Chicago Tribune appended below. Premiums in
Illinois under Obamacare will be lower than the national
average.</FONT></DIV>
<DIV style="LINE-HEIGHT: 150%"><FONT color=#000000
face="Georgia, serif"><BR clear=none></FONT></DIV>
<DIV style="LINE-HEIGHT: 150%"><FONT color=#000000
face="Georgia, serif">You speak of employers who will cut their workers
hours but do not condemn them. There will be only one whammy, and it
won't be Obamaspan>'s fault. If they had a union they would be
protected from such arbitrary actions. And your second whammy would be
avoided by subsidies, which could be avoided if employers didn't cut
their hours in the first place.</FONT></DIV>
<DIV style="LINE-HEIGHT: 150%"><FONT color=#000000
face="Georgia, serif"><BR clear=none></FONT></DIV>
<DIV style="LINE-HEIGHT: 150%"><FONT color=#000000
face="Georgia, serif">You forgot to mention that many poor single people
will not be eligible for Medicaid in those states where the GOP has
refused to take fed's offer of extended Medicaid for three years paid at
90%. The result will be that the Red States will fall further and
further behind in general health, eventually to Third World levels. We
are already below Cuba in infant mortality rates. </FONT></DIV>
<DIV style="LINE-HEIGHT: 150%"><FONT color=#000000
face="Georgia, serif"><BR clear=none></FONT></DIV>
<DIV style="LINE-HEIGHT: 150%"><FONT color=#000000
face="Georgia, serif">Yours for better facts and better
arguments,</FONT></DIV>
<DIV style="LINE-HEIGHT: 150%"><FONT color=#000000
face="Georgia, serif"><BR clear=none></FONT></DIV>
<DIV style="LINE-HEIGHT: 150%"><FONT color=#000000
face="Georgia, serif">Nick</FONT></DIV>
<DIV style="LINE-HEIGHT: 150%"><FONT color=#000000
face="Georgia, serif"><BR clear=none></FONT></DIV>
<DIV style="LINE-HEIGHT: 150%"><B style="LINE-HEIGHT: 150%"><SPAN
style="FONT-FAMILY: georgia,serif; COLOR: black">Illinois insurance
exchange rates lower than U.S. average</SPAN></B><BR clear=none></DIV>
<DIV style="LINE-HEIGHT: 150%"><B><SPAN
style="FONT-FAMILY: georgia,serif; COLOR: black">Plans under health care
law expected to provide 'fairly competitive prices'</SPAN></B></DIV>
<DIV style="LINE-HEIGHT: 150%"><SPAN
style="FONT-FAMILY: georgia,serif; COLOR: black">September 25,
2013</SPAN><SPAN
style="FONT-FAMILY: georgia,serif; COLOR: rgb(102,102,102)">|</SPAN><SPAN
style="BORDER-TOP: windowtext 1pt; FONT-FAMILY: georgia,serif; BORDER-RIGHT: windowtext 1pt; BORDER-BOTTOM: windowtext 1pt; COLOR: black; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; PADDING-LEFT: 0in; BORDER-LEFT: windowtext 1pt; PADDING-RIGHT: 0in">By
Peter Frost, Chicago Tribune reporter</SPAN></DIV>
<DIV style="LINE-HEIGHT: 150%"><SPAN
style="FONT-FAMILY: georgia,serif; COLOR: black">Illinois residents will
pay slightly less than the national average for <A
href="http://articles.chicagotribune.com/2013-09-25/business/ct-biz-0925-health-rates-20130925_1_health-care-law-health-insurance-federal-tax-credits"
shape=rect rel=nofollow target=_blank><SPAN
style="COLOR: rgb(0,153,0); TEXT-DECORATION: none">health</SPAN><SPAN
style="BORDER-TOP: windowtext 1pt; BORDER-RIGHT: windowtext 1pt; BORDER-BOTTOM: windowtext 1pt; COLOR: black; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; PADDING-LEFT: 0in; TEXT-DECORATION: none; BORDER-LEFT: windowtext 1pt; PADDING-RIGHT: 0in"><IMG
border=0 alt=http://images.intellitxt.com/ast/adTypes/icon1.png
src="wlmailhtml:{2A21B9C4-2B2D-4F29-98E1-1E504304B427}mid://00000061/!cid:"
width=10 height=10></SPAN></A> insurance offered under President Barack
Obamaspan>'s health care law, according to rates released Tuesday by
state and federal officials.</SPAN></DIV>
<DIV style="LINE-HEIGHT: 150%"><SPAN
style="FONT-FAMILY: georgia,serif; COLOR: black">The snapshot provides
an early yet incomplete look at how much consumers might pay in premiums
and comes a week before the launch of new insurance exchanges, the
online marketplaces in which individuals, families and small businesses
can compare and buy coverage, often with the help of federal tax
credits.</SPAN></DIV>
<DIV style="LINE-HEIGHT: 150%"><SPAN
style="FONT-FAMILY: georgia,serif; COLOR: black">While state and federal
officials released broad details on how much those plans might cost in
certain areas, they did not release exact figures for each of the 165
health plans being sold in Illinois, explaining that <A
href="http://articles.chicagotribune.com/2013-09-25/business/ct-biz-0925-health-rates-20130925_1_health-care-law-health-insurance-federal-tax-credits"
shape=rect rel=nofollow target=_blank><SPAN
style="COLOR: rgb(0,153,0); TEXT-DECORATION: none">rates</SPAN><SPAN
style="BORDER-TOP: windowtext 1pt; BORDER-RIGHT: windowtext 1pt; BORDER-BOTTOM: windowtext 1pt; COLOR: black; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; PADDING-LEFT: 0in; TEXT-DECORATION: none; BORDER-LEFT: windowtext 1pt; PADDING-RIGHT: 0in"><IMG
border=0 alt=http://images.intellitxt.com/ast/adTypes/icon1.png
src="wlmailhtml:{2A21B9C4-2B2D-4F29-98E1-1E504304B427}mid://00000061/!cid:"
width=10 height=10></SPAN></A> will not be final until Tuesday. They
also did not reveal the specific copays and deductibles that most
consumers will face when they see a doctor, visit an emergency room or
undergo surgery.</SPAN></DIV>
<DIV style="LINE-HEIGHT: 150%"><SPAN
style="FONT-FAMILY: georgia,serif; COLOR: black">Despite that missing
information, the new data provide an important overview of the kind of
options consumers will have. The report also demonstrates that many
consumers will likely find an affordable option, though some may face
higher premiums, as critics are quick to point out.</SPAN></DIV>
<DIV style="LINE-HEIGHT: 150%"><SPAN
style="FONT-FAMILY: georgia,serif; COLOR: black">"We are seeing, across
the board, fairly competitive prices," said Caroline Pearson, vice
president of Avalere Health, a consulting firm closely following the
rollout of the marketplaces. "The health plans are convinced that people
will buy based on price, and they are working very hard to put low-cost
products in the markets."</SPAN></DIV>
<DIV style="LINE-HEIGHT: 150%"><SPAN
style="FONT-FAMILY: georgia,serif; COLOR: black">The federal analysis
also includes specific data only from the 36 states that have elected to
have the federal government run their marketplaces, including Illinois,
which is operating in a federal partnership. (Premium information from
the 14 states operating their own insurance marketplaces, including
California, Maryland and Connecticut, in most cases is available through
state websites.)</SPAN></DIV>
<DIV style="LINE-HEIGHT: 150%"><SPAN
style="FONT-FAMILY: georgia,serif; COLOR: black">In Illinois, the
average consumer will be able to choose from 58 health plans offered by
as many as five insurance companies. In all, eight <A
href="http://articles.chicagotribune.com/2013-09-25/business/ct-biz-0925-health-rates-20130925_1_health-care-law-health-insurance-federal-tax-credits"
shape=rect rel=nofollow target=_blank><SPAN
style="COLOR: rgb(0,153,0); TEXT-DECORATION: none">insurers</SPAN><SPAN
style="BORDER-TOP: windowtext 1pt; BORDER-RIGHT: windowtext 1pt; BORDER-BOTTOM: windowtext 1pt; COLOR: black; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; PADDING-LEFT: 0in; TEXT-DECORATION: none; BORDER-LEFT: windowtext 1pt; PADDING-RIGHT: 0in"><IMG
border=0 alt=http://images.intellitxt.com/ast/adTypes/icon1.png
src="wlmailhtml:{2A21B9C4-2B2D-4F29-98E1-1E504304B427}mid://00000061/!cid:"
width=10 height=10></SPAN></A> will offer plans in the state, though not
all will sell coverage in each region.</SPAN></DIV>
<DIV style="LINE-HEIGHT: 150%"><SPAN
style="FONT-FAMILY: georgia,serif; COLOR: black">State officials were
hesitant to release even a broad overview of rates until now because
federal regulators were working with insurance companies to tweak plans
and rates as late as last week, said Andrew Boron, director of the
Illinois Department of Insurance.</SPAN></DIV>
<DIV style="LINE-HEIGHT: 150%"><SPAN
style="FONT-FAMILY: georgia,serif; COLOR: black">"We decided to take a
conservative approach," Boron said. "But today, what we're all really
excited to announce is that consumers in Illinois are going to have
robust options and affordable options."</SPAN></DIV>
<DIV style="LINE-HEIGHT: 150%"><SPAN
style="FONT-FAMILY: georgia,serif; COLOR: black">According to state and
federal data:</SPAN></DIV>
<DIV style="LINE-HEIGHT: 150%"><SPAN
style="FONT-FAMILY: georgia,serif; COLOR: black">•A single 30-year-old
who lives in Cook County and has annual income of $23,000 will be able
to buy coverage for as little as $69 a month next year with the help of
$67 in federal tax credits.</SPAN></DIV>
<DIV style="LINE-HEIGHT: 150%"><SPAN
style="FONT-FAMILY: georgia,serif; COLOR: black">•A Cook County couple,
both age 55 and with household income of $40,000, can buy<A
href="http://articles.chicagotribune.com/2013-09-25/business/ct-biz-0925-health-rates-20130925_1_health-care-law-health-insurance-federal-tax-credits"
shape=rect rel=nofollow target=_blank><SPAN
style="COLOR: rgb(0,153,0); TEXT-DECORATION: none">health
insurance</SPAN><SPAN
style="BORDER-TOP: windowtext 1pt; BORDER-RIGHT: windowtext 1pt; BORDER-BOTTOM: windowtext 1pt; COLOR: black; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; PADDING-LEFT: 0in; TEXT-DECORATION: none; BORDER-LEFT: windowtext 1pt; PADDING-RIGHT: 0in"><IMG
border=0 alt=http://images.intellitxt.com/ast/adTypes/icon1.png
src="wlmailhtml:{2A21B9C4-2B2D-4F29-98E1-1E504304B427}mid://00000061/!cid:"
width=10 height=10></SPAN></A> for $70 a month after a $463 tax credit.
If that same couple lived in Peoria, their monthly premium would be
free.</SPAN></DIV>
<DIV style="LINE-HEIGHT: 150%"><SPAN
style="FONT-FAMILY: georgia,serif; COLOR: black">•A family of four in
Illinois with household income of $50,000 will be able to buy coverage
for $84 a month after a $400 tax credit.</SPAN></DIV>
<DIV style="LINE-HEIGHT: 150%"><SPAN
style="FONT-FAMILY: georgia,serif; COLOR: black; LINE-HEIGHT: 150%">The
</SPAN><A style="FONT-FAMILY: georgia,serif; LINE-HEIGHT: 150%"
href="http://articles.chicagotribune.com/2013-09-25/business/ct-biz-0925-health-rates-20130925_1_health-care-law-health-insurance-federal-tax-credits"
shape=rect rel=nofollow target=_blank><SPAN
style="COLOR: rgb(0,153,0); TEXT-DECORATION: none">health
care</SPAN><SPAN
style="BORDER-TOP: windowtext 1pt; BORDER-RIGHT: windowtext 1pt; BORDER-BOTTOM: windowtext 1pt; COLOR: black; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; PADDING-LEFT: 0in; TEXT-DECORATION: none; BORDER-LEFT: windowtext 1pt; PADDING-RIGHT: 0in"><IMG
border=0 alt=http://images.intellitxt.com/ast/adTypes/icon1.png
src="wlmailhtml:{2A21B9C4-2B2D-4F29-98E1-1E504304B427}mid://00000061/!cid:"
width=10 height=10></SPAN></A><SPAN
style="FONT-FAMILY: georgia,serif; COLOR: black; LINE-HEIGHT: 150%"> law
established four broad categories of coverage - platinum, gold, silver
and bronze - where premiums vary based on the amount of out-of-pocket
health care expenses consumers are required to pay.</SPAN><BR
clear=none></DIV>
<DIV style="LINE-HEIGHT: 150%"><SPAN
style="FONT-FAMILY: georgia,serif; COLOR: black">The above rates are
based on a bronze plan, the least expensive, which requires
policyholders to cover 40 percent of the cost of their health care. A
platinum plan has much higher monthly premiums, but the patient share is
only 10 percent.</SPAN></DIV>
<DIV style="LINE-HEIGHT: 150%"><SPAN
style="FONT-FAMILY: georgia,serif; COLOR: black">Illinois insurance
officials expect most consumers to choose plans in either the silver or
bronze category.</SPAN></DIV>
<DIV style="LINE-HEIGHT: 150%"><SPAN
style="FONT-FAMILY: georgia,serif; COLOR: black">All plans offered on
the exchanges require insurers to cover 10 basic services called
essential health benefits, including maternity care, prescription drugs,
emergency services, mental health, laboratory services and
hospitalization. Insurers also must offer plans to all applicants, even
if they have a pre-existing medical condition like cancer, diabetes or
hypertension.</SPAN></DIV>
<DIV style="LINE-HEIGHT: 150%"><SPAN
style="FONT-FAMILY: georgia,serif; COLOR: black">"There have been a lot
of products on the market where people would find out that they thought
they had health insurance, but then they would find out that it wouldn't
cover hospital visits, for example," said Gary Cohen, who oversees the
online marketplaces for the federal Department of Health and Human
Services. "It's important to understand that, because of the Affordable
Care Act, the health insurance that people will be buying will actually
cover them in the case of them getting sick."</SPAN></DIV>
<DIV style="LINE-HEIGHT: 150%"><SPAN
style="FONT-FAMILY: georgia,serif; COLOR: black">Premiums also vary by
family size, income, where people live and whether they
smoke.</SPAN></DIV>
<DIV style="LINE-HEIGHT: 150%"><SPAN
style="FONT-FAMILY: georgia,serif; COLOR: black; TEXT-ALIGN: center; LINE-HEIGHT: 150%">Some
plans offered in Chicago, for example, are less expensive than identical
coverage in Peoria and other parts of Illinois, largely because Cook
County has more so-called narrow-network plans, which limit the number
of doctors and hospitals available to consumers and tend to be less
expensive, state officials said.</SPAN></DIV>
<DIV style="LINE-HEIGHT: 150%"><SPAN
style="FONT-FAMILY: georgia,serif; COLOR: black">A 40-year-old tobacco
user in Cook County would pay $196 for the lowest level of coverage,
versus $152 for a nonsmoker.</SPAN></DIV>
<DIV style="LINE-HEIGHT: 150%"><SPAN
style="FONT-FAMILY: georgia,serif; COLOR: black">Illinoisans who make
between 138 and 400 percent of the federal poverty level - up to $94,200
for a family of four - and aren't offered qualified insurance through
their employer are eligible for federal tax credits to help offset the
cost of insurance premiums.</SPAN></DIV>
<DIV style="LINE-HEIGHT: 150%"><SPAN
style="FONT-FAMILY: georgia,serif; COLOR: black">To receive those
subsidies, which vary on a sliding scale based on income and age, they
must buy a plan offered on the exchange.</SPAN></DIV>
<DIV style="LINE-HEIGHT: 150%"><SPAN
style="FONT-FAMILY: georgia,serif; COLOR: black">Those whose income
falls below that range will be newly eligible for Medicaid, the
state-federal <A
href="http://articles.chicagotribune.com/2013-09-25/business/ct-biz-0925-health-rates-20130925_1_health-care-law-health-insurance-federal-tax-credits/2"
shape=rect rel=nofollow target=_blank><SPAN
style="COLOR: rgb(0,153,0); TEXT-DECORATION: none">health
insurance</SPAN><SPAN
style="BORDER-TOP: windowtext 1pt; BORDER-RIGHT: windowtext 1pt; BORDER-BOTTOM: windowtext 1pt; COLOR: black; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; PADDING-LEFT: 0in; TEXT-DECORATION: none; BORDER-LEFT: windowtext 1pt; PADDING-RIGHT: 0in"><IMG
border=0 alt=http://images.intellitxt.com/ast/adTypes/icon1.png
src="wlmailhtml:{2A21B9C4-2B2D-4F29-98E1-1E504304B427}mid://00000061/!cid:"
width=10 height=10></SPAN></A> program for the poor and
disabled.</SPAN></DIV>
<DIV style="LINE-HEIGHT: 150%"><SPAN
style="FONT-FAMILY: georgia,serif; COLOR: black">The marketplace, or
exchange, is scheduled to open Oct. 1; coverage begins Jan. 1 for those
who buy plans before Dec. 15. Open enrollment lasts until March 31.
Consumers who do not have <A
href="http://articles.chicagotribune.com/2013-09-25/business/ct-biz-0925-health-rates-20130925_1_health-care-law-health-insurance-federal-tax-credits/2"
shape=rect rel=nofollow target=_blank><SPAN
style="COLOR: rgb(0,153,0); TEXT-DECORATION: none">health</SPAN><SPAN
style="BORDER-TOP: windowtext 1pt; BORDER-RIGHT: windowtext 1pt; BORDER-BOTTOM: windowtext 1pt; COLOR: black; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; PADDING-LEFT: 0in; TEXT-DECORATION: none; BORDER-LEFT: windowtext 1pt; PADDING-RIGHT: 0in"><IMG
border=0 alt=http://images.intellitxt.com/ast/adTypes/icon1.png
src="wlmailhtml:{2A21B9C4-2B2D-4F29-98E1-1E504304B427}mid://00000061/!cid:"
width=10 height=10></SPAN></A> insurance in 2014 will pay an income tax
penalty next year, starting at $95 or 1 percent of household income,
whichever is greater.</SPAN></DIV>
<DIV style="LINE-HEIGHT: 150%"><SPAN
style="FONT-FAMILY: georgia,serif; COLOR: black">Of nearly 1 million in
the state eligible for federal tax subsidies to help offset the cost of
buying insurance, state officials expect only about 337,000 to purchase
subsidized coverage in 2014.</SPAN></DIV>
<DIV style="LINE-HEIGHT: 150%"><SPAN
style="FONT-FAMILY: georgia,serif; COLOR: black">While both reports lay
out the broad strokes of how much coverage will cost, the data do not
include the size of an <A
href="http://articles.chicagotribune.com/2013-09-25/business/ct-biz-0925-health-rates-20130925_1_health-care-law-health-insurance-federal-tax-credits/2"
shape=rect rel=nofollow target=_blank><SPAN
style="COLOR: rgb(0,153,0); TEXT-DECORATION: none">insurer's</SPAN><SPAN
style="BORDER-TOP: windowtext 1pt; BORDER-RIGHT: windowtext 1pt; BORDER-BOTTOM: windowtext 1pt; COLOR: black; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; PADDING-LEFT: 0in; TEXT-DECORATION: none; BORDER-LEFT: windowtext 1pt; PADDING-RIGHT: 0in"><IMG
border=0 alt=http://images.intellitxt.com/ast/adTypes/icon1.png
src="wlmailhtml:{2A21B9C4-2B2D-4F29-98E1-1E504304B427}mid://00000061/!cid:"
width=10 height=10></SPAN></A> network of providers like doctors,
specialists, health centers and hospitals.</SPAN></DIV>
<DIV style="LINE-HEIGHT: 150%"><SPAN
style="FONT-FAMILY: georgia,serif; COLOR: black">"Everyone wants to do
the political thing and talk about <A
href="http://articles.chicagotribune.com/2013-09-25/business/ct-biz-0925-health-rates-20130925_1_health-care-law-health-insurance-federal-tax-credits/2"
shape=rect rel=nofollow target=_blank><SPAN
style="COLOR: rgb(0,153,0); TEXT-DECORATION: none">rates</SPAN><SPAN
style="BORDER-TOP: windowtext 1pt; BORDER-RIGHT: windowtext 1pt; BORDER-BOTTOM: windowtext 1pt; COLOR: black; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; PADDING-LEFT: 0in; TEXT-DECORATION: none; BORDER-LEFT: windowtext 1pt; PADDING-RIGHT: 0in"><IMG
border=0 alt=http://images.intellitxt.com/ast/adTypes/icon1.png
src="wlmailhtml:{2A21B9C4-2B2D-4F29-98E1-1E504304B427}mid://00000061/!cid:"
width=10 height=10></SPAN></A>, but no one knows what you're buying
yet," said Rich Fahn, president of Excell Benefit Group in Northbrook.
"Just providing the premium is giving an incomplete
picture."</SPAN></DIV>
<DIV style="LINE-HEIGHT: 150%"><SPAN
style="FONT-FAMILY: georgia,serif; COLOR: black">Fahn and Jim Smith, a
senior vice president at the <A
href="http://articles.chicagotribune.com/2013-09-25/business/ct-biz-0925-health-rates-20130925_1_health-care-law-health-insurance-federal-tax-credits/2"
shape=rect rel=nofollow target=_blank><SPAN
style="COLOR: rgb(0,153,0); TEXT-DECORATION: none">health
care</SPAN><SPAN
style="BORDER-TOP: windowtext 1pt; BORDER-RIGHT: windowtext 1pt; BORDER-BOTTOM: windowtext 1pt; COLOR: black; PADDING-BOTTOM: 0in; PADDING-TOP: 0in; PADDING-LEFT: 0in; TEXT-DECORATION: none; BORDER-LEFT: windowtext 1pt; PADDING-RIGHT: 0in"><IMG
border=0 alt=http://images.intellitxt.com/ast/adTypes/icon1.png
src="wlmailhtml:{2A21B9C4-2B2D-4F29-98E1-1E504304B427}mid://00000061/!cid:"
width=10 height=10></SPAN></A> consulting firm The Camden Group, said
the lower premiums on the exchange-based insurance products likely
indicate consumers will have more limited access to certain physicians
and hospitals than those covered under more expensive, employer-based
plans.</SPAN></DIV>
<DIV style="LINE-HEIGHT: 150%"><SPAN
style="FONT-FAMILY: georgia,serif; COLOR: black">"Carriers are putting
together smaller networks to squeeze bigger discounts out of providers,"
Smith said.</SPAN></DIV>
<DIV style="LINE-HEIGHT: 150%"><SPAN
style="FONT-FAMILY: georgia,serif; COLOR: black">While state and federal
officials acknowledge those concerns and said some of the plans offered
on the exchanges will have narrow networks, they say all plans were
subject to state and federal requirements that ensure an adequate
selection of providers.</SPAN></DIV>
<DIV style="LINE-HEIGHT: 150%"><SPAN
style="FONT-FAMILY: georgia,serif; COLOR: black">"We feel comfortable,
as do the feds, that the networks are sufficient," Boron
said.</SPAN></DIV>
<DIV style="LINE-HEIGHT: 150%"><I><SPAN
style="FONT-FAMILY: georgia,serif; COLOR: black">Tribune Newspapers
reporters <A href="http://bio.tribune.com/ameetsachdev" shape=rect
rel=nofollow target=_blank><SPAN
style="COLOR: black; TEXT-DECORATION: none">Ameet Sachdev</SPAN></A> and
Noam Levey contributed.</SPAN></I></DIV>
<DIV style="LINE-HEIGHT: 150%"><I><SPAN
style="FONT-FAMILY: georgia,serif; COLOR: black"><A
href="mailto:pfrost@tribune.com" shape=rect rel=nofollow
target=_blank><SPAN
style="COLOR: black; TEXT-DECORATION: none">pfrost@tribune.com</SPAN></A></SPAN></I></DIV>
<DIV style="LINE-HEIGHT: 150%"><I><SPAN
style="FONT-FAMILY: georgia,serif; COLOR: black">Twitter
@peterfrost</SPAN></I></DIV>
<DIV style="LINE-HEIGHT: 150%"> </DIV> </DIV>
<DIV><BR clear=none><BR clear=none>
<DIV>On Thu, Oct 17, 2013 at 10:24 AM, lfalen <SPAN dir=ltr><<A
href="mailto:lfalen@turbonet.com" shape=rect rel=nofollow
target=_blank>lfalen@turbonet.com</A>></SPAN> wrote:<BR clear=none>
<BLOCKQUOTE
style="PADDING-LEFT: 1ex; BORDER-LEFT: rgb(204,204,204) 1px solid">
<DIV dir=ltr>
<DIV dir=ltr>Sunil<BR clear=none>I think you are right. All government
employees(Federal, State and local) have employer sponsored health
insurance. So do most of those who work for larger companies.
Obamacare would cover those who cannot afford insurance and those in
the low income brackets. The potential problems are that some
companies will convert some employees to part time. They will be hit
with a double whammy. Getting insurance on their own will is most
cases cost them more and they will have a reduced income to pay for it
because they are now part time. Older folks and the disabled can get
Medicare. the Indigent get Medicaid. Some of the money to pay for
Obamacare is to come out of Medicare. Just how or where, I do not
know.I pay a little over $100.00 per month for Medicare and $66.33 to
the University for Part D and Dental, which Medicare does not cover.
My doctor and has just quit taking Medicare. I assume this means I
will have to change doctors.<BR clear=none> <BR
clear=none>Roger<BR clear=none> <BR clear=none> <BR
clear=none><BR clear=none> <BR clear=none><BR clear=none>
<BLOCKQUOTE
style="FONT-SIZE: 13px; FONT-FAMILY: tahoma,helvetica,sans-serif; PADDING-LEFT: 1em; BORDER-LEFT: blue 2px solid"
dir=ltr>
<HR SIZE=1>
-----Original Message-----<BR clear=none>From: "Sunil Ramalingam"
<<A href="mailto:sunilramalingam@hotmail.com" shape=rect
rel=nofollow target=_blank>sunilramalingam@hotmail.com</A>><BR
clear=none>Cc: "vision 2020" <<A
href="mailto:vision2020@moscow.com" shape=rect rel=nofollow
target=_blank>vision2020@moscow.com</A>><BR clear=none>Date:
10/15/13 17:27<BR clear=none>Subject: Re: [Vision2020] Story in
Chicago Tribune Oct.15, 2012<BR clear=none><BR clear=none>
<DIV dir=ltr>Wayne,<BR clear=none><BR clear=none>If they are not
covered under the Act, isn't it because their insurance is covered
as an employment benefit? Isn't the same true for University of
Idaho employees?<BR clear=none><BR clear=none>Or am I wrong about
this?<BR clear=none><BR clear=none>Sunil<BR clear=none><BR
clear=none>
<DIV>
<HR>
From: <A href="mailto:bear@moscow.com" shape=rect rel=nofollow
target=_blank>bear@moscow.com</A><BR clear=none>Date: Tue, 15 Oct
2013 17:15:59 -0700<BR clear=none>To: <A
href="mailto:lfalen@turbonet.com" shape=rect rel=nofollow
target=_blank>lfalen@turbonet.com</A><BR clear=none>CC: <A
href="mailto:vision2020@moscow.com" shape=rect rel=nofollow
target=_blank>vision2020@moscow.com</A><BR clear=none>Subject: Re:
[Vision2020] Story in Chicago Tribune Oct.15, 2012<BR clear=none><BR
clear=none>
<DIV>Roger,</DIV>And this is a surprise ?
<DIV>Why do you seriously think that neither the White House nor
Congress is part of "Affordable Health Care"?</DIV>
<DIV> </DIV>
<DIV>Wayne</DIV>
<DIV> </DIV>
<DIV> </DIV>
<DIV>
<DIV> </DIV>
<DIV> </DIV>
<DIV> </DIV>
<DIV> </DIV>
<DIV> </DIV>
<DIV>
<DIV> </DIV>
<DIV>
<DIV>On Oct 15, 2013, at 5:08 PM, lfalen wrote:</DIV><BR clear=none>
<BLOCKQUOTE>
<DIV dir=ltr>
<DIV dir=ltr>
<DIV><SPAN
style="WHITE-SPACE: normal; BORDER-COLLAPSE: separate; TEXT-TRANSFORM: none; WORD-SPACING: 0px; LETTER-SPACING: normal; TEXT-INDENT: 0px"><BR
clear=none>Adam Weldzius, A Nurse Practitioner is privately
insured. His monthly insurance premium of $233(deductible of
$3,500) will more than double. For the same coverage his
deductible will be $12,500.</SPAN></DIV>
<DIV><SPAN
style="WHITE-SPACE: normal; BORDER-COLLAPSE: separate; TEXT-TRANSFORM: none; WORD-SPACING: 0px; LETTER-SPACING: normal; TEXT-INDENT: 0px">A
Tribune analysis shows that 21 pf the 22 lowest plans on the
Illinois health exchange for Cook County would have annual
deductibles of over $4,000 for individuals and $8,000 for family
coverage.</SPAN></DIV>
<DIV><SPAN
style="WHITE-SPACE: normal; BORDER-COLLAPSE: separate; TEXT-TRANSFORM: none; WORD-SPACING: 0px; LETTER-SPACING: normal; TEXT-INDENT: 0px">People
who have health insurance threw their employer have an average
deductible of $1,100 according to The Kaiser Family
Foundation.</SPAN></DIV>
<DIV> </DIV>
<DIV><SPAN
style="WHITE-SPACE: normal; BORDER-COLLAPSE: separate; TEXT-TRANSFORM: none; WORD-SPACING: 0px; LETTER-SPACING: normal; TEXT-INDENT: 0px">This
is from a story in the Chicago Tribune. They are not my
figures.</SPAN></DIV>
<DIV><SPAN
style="WHITE-SPACE: normal; BORDER-COLLAPSE: separate; TEXT-TRANSFORM: none; WORD-SPACING: 0px; LETTER-SPACING: normal; TEXT-INDENT: 0px">Roger</SPAN></DIV> </DIV></DIV><SPAN
style="WHITE-SPACE: normal; BORDER-COLLAPSE: separate; TEXT-TRANSFORM: none; WORD-SPACING: 0px; LETTER-SPACING: normal; TEXT-INDENT: 0px">=======================================================<BR
clear=none>List services made available by First Step Internet,<BR
clear=none>serving the communities of the Palouse since 1994.<BR
clear=none><A href="http://www.fsr.net/" shape=rect rel=nofollow
target=_blank>http://www.fsr.net</A><BR clear=none><A
href="mailto:Vision2020@moscow.com" shape=rect rel=nofollow
target=_blank>mailto:Vision2020@moscow.com</A><BR
clear=none>=======================================================</SPAN>
</BLOCKQUOTE> </DIV><BR clear=none> </DIV> </DIV><BR
clear=none>=======================================================
List services made available by First Step Internet, serving the
communities of the Palouse since 1994. <A href="http://www.fsr.net/"
shape=rect rel=nofollow target=_blank>http://www.fsr.net</A>
mailto:<A href="mailto:Vision2020@moscow.com" shape=rect
rel=nofollow target=_blank>Vision2020@moscow.com</A>
=======================================================</DIV> </DIV>
<HR>
=======================================================<BR
clear=none>List services made available by First Step Internet,<BR
clear=none>serving the communities of the Palouse since 1994.<BR
clear=none><A href="http://www.fsr.net/" shape=rect rel=nofollow
target=_blank>http://www.fsr.net</A><BR clear=none>mailto:<A
href="mailto:Vision2020@moscow.com" shape=rect rel=nofollow
target=_blank>Vision2020@moscow.com</A><BR
clear=none>=======================================================</BLOCKQUOTE> </DIV></DIV><BR
clear=none>=======================================================<BR
clear=none>List services made available by First Step Internet,<BR
clear=none>serving the communities of the Palouse since 1994.<BR
clear=none><A href="http://www.fsr.net/" shape=rect rel=nofollow
target=_blank>http://www.fsr.net</A><BR clear=none>mailto:<A
href="mailto:Vision2020@moscow.com" shape=rect rel=nofollow
target=_blank>Vision2020@moscow.com</A><BR
clear=none>=======================================================<BR
clear=none></BLOCKQUOTE> </DIV><BR
clear=none> </DIV></BLOCKQUOTE> </DIV></DIV></DIV> </DIV> </DIV><BR
clear=none>======================================================= List
services made available by First Step Internet, serving the communities of
the Palouse since 1994. <A href="http://www.fsr.net"
target=_blank>http://www.fsr.net</A> mailto:<A
href="mailto:Vision2020@moscow.com"
target=_blank>Vision2020@moscow.com</A>
======================================================= </DIV></DIV></DIV>
<DIV> </DIV>
<DIV>=======================================================<BR
clear=none>List services made available by First Step Internet,<BR
clear=none>serving the communities of the Palouse since 1994.<BR
clear=none>
<A href="http://www.fsr.net/" shape=rect
target=_blank>http://www.fsr.net</A><BR
clear=none>
mailto:<A href="mailto:Vision2020@moscow.com" shape=rect
target=_blank>Vision2020@moscow.com</A><BR
clear=none>=======================================================</DIV><BR><BR></DIV></BLOCKQUOTE></DIV></DIV></DIV></DIV></DIV><BR>=======================================================<BR>List
services made available by First Step Internet,<BR>serving the communities
of the Palouse since
1994.<BR>
<A href="http://www.fsr.net"
target=_blank>http://www.fsr.net</A><BR>
mailto:<A
href="mailto:Vision2020@moscow.com">Vision2020@moscow.com</A><BR>=======================================================<BR></BLOCKQUOTE></DIV>
<DIV> </DIV></DIV></DIV></BLOCKQUOTE>
<BLOCKQUOTE type="cite">
<DIV><SPAN>=======================================================</SPAN><BR><SPAN>List
services made available by First Step Internet,</SPAN><BR><SPAN>serving the
communities of the Palouse since
1994.</SPAN><BR><SPAN>
<A
href="http://www.fsr.net">http://www.fsr.net</A></SPAN><BR><SPAN>
<A
href="mailto:Vision2020@moscow.com">mailto:Vision2020@moscow.com</A></SPAN><BR><SPAN>=======================================================</SPAN></DIV></BLOCKQUOTE></DIV></DIV></DIV></DIV></BODY></HTML>