Affordable Care Act (hope not political)

[Taltarzac725]

This is just about my filling out the application for medical insurance via the Affordable Care Act. I have not had any medical insurance since 1991 or so. That was while I worked at the University of Minnesota Law Library and lost my contract with them after I had finished working on the WESTLAW cataloging project.

I felt that I had to describe why I thought I had not been able to find any employment after 1991 and am hoping that they will also look into this. I have been selecting maybe 120 copies of documents I have sent or received. A lot of these are from US, state and governmental entities like some State Attorney Generals and victim assistance agencies.

If you have followed my posts on Talk of the Villages you know about the 2/24 1976 murder of my then high school teacher's daughter Michelle Mitchell. This happened in a garage across the street pretty much from the University of Nevada, Reno quite close to the nursing education buildings. Michelle had been a nursing student. The murderers of Michelle were trying to make it look like a serial killer was terrorizing Reno and had picked Michelle at random and hid in her back seat while she was doing something in the nursing buildings. Then they took her a few hundred yards and murdered her. They had had a life insurance interest on a woman they had murdered a few days before and were trying to cover up this murder of a black casino manager.

My birthday is 2-24. I turned 55 on 2-24-2014. Born in 1959 in Wisconsin. I still speak with a bit of a cheesehead accent.

As you may gather, this Michelle Mitchell murder was a huge media event in Reno especially because it was not solved until 1979. The murder of the black casino woman had not been connected to the Michelle Mitchell murder until 1979 when one of the conspirators bragged about the murders and the reason behind them, probably, to a fellow jail/prison inmate in Louisiana.

The case broke wide open. I never met Michelle Mitchell but anyone that had had been put under investigation for her murder. This included some of my classmates at Earl Wooster High School like John P. I had been having a quiet birthday celebration the Tuesday (?) night that Michelle Mitchell had been killed.

These Wooster High students had often looked to me for guidance partly because I had been kind of a teacher's pet for Mrs. Mitchell while I was in her remedial English class at Wooster. John P. and I had received small Scholarships in the name of Michelle Mitchell which I used for the 1976/1977 Semesters at the University of Nevada, Reno.

I had searched in libraries all over the Reno area to help my classmates perhaps cope with their feelings and the like but found next to nothing in any of these various libraries.

I started on a mission to do something about this huge niche but was met AFTER I had earned four degrees to give me some credibility with attacks on my mental health for going into detail abut what many in the law librarianship profession portrayed as my personal problems. A huge niche in services towards the group --victims of violent crimes-- which should be the MOST important group in the criminal justice system-- is hardly the personal problem of any one man. I did have some support at the University of Minnesota from some law professors and some students but not enough to keep my employment contract intact.

This kind of approach of putting a critic's mental health into issue made me mad not insane. But, I was pushed to elaborate lengths to do something about this niche.

My package I am sending to the ObamaCare people outlines how I was made out to look mentally ill just for fighting for the rights of again the group that should be of central importance to the criminal justice system.

Hopefully, this will get me medical insurance coverage which I have not had since 1991. I am basing it on the appearance of being mentally ill. I am not but certainly have faced quite a bit of depression for some making this so so hard a road. When someone with a huge amount of proportional power puts a label of mental illness on you just because you have a deep concern when the needs of a certain group are not really being adequately met it is very distressing for the person that goes through this.

If it does not get me the medical insurance I really need, maybe it will ignite more of a call for seriously addressing the needs of those who have been pulled into the legal system without any consent of their own. I do feel that something -- fate-- pulled me into this because of the 2-24 murder of Michelle Mitchell and how much of a role her mother Barbara Mitchell handed me in the way of standing up for what you believe in and never giving up no matter what the cost it might have to you. Of course, there have been huge costs to my immediate family in providing a home, bed, food, and some sense of hope. I seriously think I would not be alive now without their assistance. It has been a very hard fight for everyone in my immediate family.

I strongly agree with the need of the Affordable Care Act because they are many who have fallen through the cracks-- or were pushed through them like me.

Again, I hope this thread does not become political. It is more about the needs of the survivors/victims of crimes and my role in fighting for these.

I have been remiss about applying for jobs here in the Villages which would have stopped me from having to explain myself to the Federal government but there is still that huge gap in my employment record that any cautious potential employer would have some question about at some time. I am not particularly good at hiding things and most people can tell that I am hiding things. I want to make sure I do not come across as knocking the Villages, the various companies here, or especially TOTV. I have had a great quiet life here in the Villages since 2005 and have greatly enjoyed being on TOTV since 2007 or so.

Not having medical insurance, however, is a huge worry especially with someone who is now 55. My situation has caused depression at times but nothing I have not been able to handle. I did have a nervous breakdown in 2000 because of all the stress and probably because of much more sinister factors but I really do not have enough objectivity about that whole situation. Maybe, the OBamaCare people can also help with what happened there. The Pinellas County Sheriff's office did not seem to get it. I did go down to their headquarters around September 18, 2002 and reported what I had experienced and gave them a couple of hundred copies of letters I had received during my fight for respect for the needs of survivors/victims of crimes.

[BarryRX]

I am not sure I understand what you are trying to say. Do you want the Federal Government to look into the reason no one has hired you for the past 20 years?

[Birdie Dreamer]

The Affordable Care Act provides guaranteed coverage with no exclusion for pre-existing conditions. The cost will depend on whether or not you are eligible for subsidy. Your employment history has no bearing on it.

Finding a job may be more problematic with the employment history you described.

[Golfingnut]

Keep on till you get signed up. The plan is an absolute life saver to so very many citizens.

[Taltarzac725]

I am not sure I understand what you are trying to say. Do you want the Federal Government to look into the reason no one has hired you for the past 20 years?

I can pretty much show that with the documents I am sending them. Whether or not they can do anything about it is another matter.

I did get a few interviews. One, for instance, with North Carolina Central University Law Library. They paid to fly me in from Chicago where I was helping taking care of a relative before he went into a nursing home. It went really well and one of the professors had been a victim of crime. Then I was in the Dean's office and they claimed they I had lied on my resume about supervising document retrieval. Anyone that has been on a busy reference desk does document retrieval of some kind especially if there are work/student undergrads like Nicole around who are filling out orders for documents in the library. There was also another undergrad who used to ask me a lot about how my various language studies were going. The Law Librarian at NCCU could not even look at me probably because she knew that this was someone pulling strings.

The same thing happened at the Washoe County Law Library in Reno, Nevada. The law librarians were basically thumbing their nose at me because I was not within their in-crowd. I was when I was the WESTLAW cataloger which was introduced with me as the cataloger at a law library convention in 1989 in Reno, Nevada. Not the NCCU Law Librarian, I sincerely believe that she did not get the blacklist note on me.

These events would be well beyond any Statute of Limitations.

I also remember basically being laughed at while going in-and-out of the Marquette University Law Library interview I had while at the Law Library convention in San Francisco around 1992.

And, the cover letters and the like I am sending copies of to the Federal Government should show that I was very careful about what I said to potential employers. I do not spread a bunch of stuff around that would hurt my chances of being employed. For instance, someone looking at TOTV would probably not have problems with hiring me. There has been other stuff on the Internet that would have been quite damaging to my reputation but that is one of the things I really want the Federal Government to look at.

[Taltarzac725]

The Affordable Care Act provides guaranteed coverage with no exclusion for pre-existing conditions. The cost will depend on whether or not you are eligible for subsidy. Your employment history has no bearing on it.

Finding a job may be more problematic with the employment history you described.

Yes, that is the point why I may need coverage.

And, I want to push that I had emphasized my reference and cataloging experience before and during interviews and not my experiences in Reno, Nevada. These were not relevant to the job interviews. I had an interview at the University of Texas at El Paso for a Law Librarian job--the flights from and to Tampa which they paid for-- which went quite well. My interest about victims' rights and services never came up. I messed up a bit on the presentation I had to prepare for the librarians. I was quite nervous. I also did not think that El Paso was a good fit for me not being fluent in Spanish. It was not a requirement for the job but would have helped a lot.

I do sincerely believe though that if a service field like law librarianship deals with victims of crimes-- which they do on occasion-- being able to empathize with what that library user is going through is very important.

[Taltarzac725]

Keep on till you get signed up. The plan is an absolute life saver to so very many citizens.

I am going to. :pray: Very few people know how truly stubborn I can be.

[gomoho]

Keep on till you get signed up. The plan is an absolute life saver to so very many citizens.

I knew it - thanks for the confirmation.

[blueash]

Let me repeat what others have said if it was not clear. You do not need to send any documentation to the government of your job history or any medical or psychological issues you have ever had. If you are looking for health insurance coverage it absolutely is available to you no matter what needs or jobs you have had. Private insurance companies must accept you. The rate you will be charged depends on the particular plan you select. The better the coverage, the higher the cost. The only factors other than that are whether you smoke (tobacco), and your age.
If your income is low you will also qualify for a subsidy where the government will pay much but not all of your insurance cost. Due to a decision by the Florida governor and legislature there is a small window where you may make too much to qualify for Medicaid but too little to get the subsidy. This is a very unfortunate situation for those stuck in that window. The website Healthcare.gov is working well and will guide you through the choices. There also are in person "navigators" who will sit down with you to do the same if you want that help. I know that at Langley Health Services in Sumterville there is someone there almost always, by appointment to help. There have been navigators here in the Villages at some meetings but I don't know if that is currently an option

[eweissenbach]

Tal, there are a lot of people on TOTV who respect you and think highly of you, myself included. I think the affordable care act was designed with people like you in mind. I pray you will get coverage and find peace of mind. Peace be with you my friend.

[TNLAKEPANDA]

I am not sure I understand what you are trying to say. Do you want the Federal Government to look into the reason no one has hired you for the past 20 years?

Ditto that... what the heck is your point?

[mickey100]

Tal, there are a lot of people on TOTV who respect you and think highly of you, myself included. I think the affordable care act was designed with people like you in mind. I pray you will get coverage and find peace of mind. Peace be with you my friend.

Same here. Wishing you the best.

[JourneyOfLife]

I am not very familiar with ACA. Are you are referring to possible qualification for a tax credit or Medicaid.


I think the application might attempt to understand the applicants economic situation. I assume to offer help or advice/guidance to applicants.

[BarryRX]

Let me repeat what others have said if it was not clear. You do not need to send any documentation to the government of your job history or any medical or psychological issues you have ever had. If you are looking for health insurance coverage it absolutely is available to you no matter what needs or jobs you have had. Private insurance companies must accept you. The rate you will be charged depends on the particular plan you select. The better the coverage, the higher the cost. The only factors other than that are whether you smoke (tobacco), and your age.
If your income is low you will also qualify for a subsidy where the government will pay much but not all of your insurance cost. Due to a decision by the Florida governor and legislature there is a small window where you may make too much to qualify for Medicaid but too little to get the subsidy. This is a very unfortunate situation for those stuck in that window. The website Healthcare.gov is working well and will guide you through the choices. There also are in person "navigators" who will sit down with you to do the same if you want that help. I know that at Langley Health Services in Sumterville there is someone there almost always, by appointment to help. There have been navigators here in the Villages at some meetings but I don't know if that is currently an option

Great post and absolutely correct. Let me add that if you have any trouble navigating the web site, you can call them at 800-318-2596 and they will do your application over the phone.

[Bay Kid]

The Affordable Care Act provides guaranteed coverage with no exclusion for pre-existing conditions. The cost will depend on whether or not you are eligible for subsidy. Your employment history has no bearing on it.

Finding a job may be more problematic with the employment history you described.

No exclusion for pre-existing conditions! My insurance agent tells me this is true AS LONG AS I KEEP my same policy. What a shame. What to believe?

[Birdie Dreamer]

No exclusion for pre-existing conditions! My insurance agent tells me this is true AS LONG AS I KEEP my same policy. What a shame. What to believe?

We may not be talking about the same set of facts. If you do not currently have coverage and enroll in one of the market place plans available under ACA, there is no exclusion of pre-existing conditions. Just google "ACA pre-existing conditions" and you will find multiple sites confirming that.

[Taltarzac725]

Thanks for the replies. I am still working on just what copies of documents to send them and where to make the copies.

Mostly, I am trying to describe why my finances are such that they are as well as go a bit into my medical record and the like. I did not want to do this over the phone as it is very complicated and I can and do become emotional when going into details. There are also the perjury implications of whatever you say to the Federal Government, police, Interpol, FBI, etc. I do have my JD from the University of Minnesota Law School, Class of 1989, so I do know a little about the ins-and-outs. Plus, I have been writing government agencies since the Summer of 1991. I did pick up some training about how to keep record of documents while a student under Student Director Julie Rose at Legal Assistance to Minnesota Prisoners (Stillwater Office) and then became a Student Director for Stillwater myself. Lots of trips to Minnesota Correctional Facililty-- Stillwater were taken by us students and I would not want to wind up as someone some University of Florida Law School students are visiting in Federal prison because I messed up on my application for ObamaCare. Some of my best friendships at law school came out of Legal Assistance to Minnesota Prisoners including a first love of a female law student Jennifer V. (Class of 1990) whom I lived with for nine months or so after I had graduated in 1989.

I do believe that the Affordable Care Act is something needed for many in the US. I am glad that it seems to be working too. Again, I hope this does not become political.

[dplars]

My daughter's existing insurance policy was cancelled due to the ACA. Her replacement policy's premium went up $175 per month to $750 and the deductible increased to $5000. Now she gets to make the decision, see a doctor or buy groceries. Some life saver. Screwing up what was a pretty good system.

[Taltarzac725]

My daughter's existing insurance policy was cancelled due to the ACA. Her replacement policy's premium went up $175 per month to $750 and the deductible increased to $5000. Now she gets to make the decision, see a doctor or buy groceries. Some life saver. Screwing up what was a pretty good system.

I did look at my rates for medical insurance without my talking to anyone on ObamaCare though. They were too much for me or my family to afford. That is part of why I have to file an appeal.

Did your daughter talk to the ObamaCare facilitators or whatever you call these people?

[Taltarzac725]

It took an hour or more of copying yesterday at Staples but I did make the 110+ copies (debit card charges of $11.42 and $1.00) I think I need and am busy looking over my records to see if there is anything else I would like the Federal Government to see about my situation. I can just make additional copies through our computer.

This will probably go out today via One Day USPS mail so that I can beat the March 15, 2014 Deadline. These is another March 31, 2014 Deadline still ahead though.

[Taltarzac725]

It took an hour or more of copying yesterday at Staples but I did make the 110+ copies (debit card charges of $11.42 and $1.00) I think I need and am busy looking over my records to see if there is anything else I would like the Federal Government to see about my situation. I can just make additional copies through our computer.

This will probably go out today via One Day USPS mail so that I can beat the March 15, 2014 Deadline. These is another March 31, 2014 Deadline still ahead though.

My ObamaCare appeal package went out on next day USPS Express Mail for $19.99 this afternoon but there was no next day delivery for that part of Kentucky. So, it may get there on Saturday and they all might be off or not get mail delivery. If they do receive delivery, I requested a signature. Maybe, if I call after they have received my package they will be able to understand better where I am coming from with the problems I have had finding suitable employment.

The ball is out of my hands for now. Kind of fitting that this is March Madness Tournament bracket set-up weekend. It will be very interesting where this ball winds up.

[Taltarzac725]

My ObamaCare appeal package went out on next day USPS Express Mail for $19.99 this afternoon but there was no next day delivery for that part of Kentucky. So, it may get there on Saturday and they all might be off or not get mail delivery. If they do receive delivery, I requested a signature. Maybe, if I call after they have received my package they will be able to understand better where I am coming from with the problems I have had finding suitable employment.

The ball is out of my hands for now. Kind of fitting that this is March Madness Tournament bracket set-up weekend. It will be very interesting where this ball winds up.

I just checked the USPS Tracking System for my ObamaCare package. It arrived there at 12:50 P.M. Saturday, the 14th of March, 2014 and was signed for as well.

I will have to wait and see what happens with this. I had hoped to get it there by the 15th of March which it seems to have done.

[Bay Kid]

The government sure has screwed up the health care system. My insurance has doubled since this law was passed. They really are big, bad insurance companies with the blessing of our government.

[Golfingnut]

The government sure has screwed up the health care system. My insurance has doubled since this law was passed. They really are big, bad insurance companies with the blessing of our government.

Yet it has been a life saver for so many others. It seems to have a lot to do with how wealthy you are. It is more helpful to the old and the poor. Why do they get a break on the cost of living with good health care? I worked for 40 years so, I am not getting a break, but am very thankful for those that do.

[Taltarzac725]

The government sure has screwed up the health care system. My insurance has doubled since this law was passed. They really are big, bad insurance companies with the blessing of our government.

The Affordable Health Care Act probably will need a lot of updates and revisions and the like.

[ilovetv]

In post #37 on the thread "Big Black Eye for TV", it says, "I am part of the way through applying for the ACA. It keeps telling me I am not eligible for Florida Medicaid because I have not filed any Federal Tax forms."

I think this is where the deep involvement of the IRS in the ACA and healthcare is rearing its ugly head (the IRS's ugly head).

Knowing that there are probably millions of poverty-level people across the country who have not filed income taxes--because they work for cash under the table or simply do not have income)--it seems to me that....

When an extremely intelligent, capable and educated-with-law-degree person cannot get the application process done reasonably, all the thousands or millions of under-educated and slow-minded people who haven't filed taxes are just plain up s-creek without a paddle.

And where do these people go then? To the E.R. where they rightly cannot be turned away, which is the most expensive setting possible for care, and is the place that is most expensive to run because it is set up heavily-staffed and heavily-equipped 24/7/365 to handle "emergencies" of life and limb, NOT urgent care, minute clinic, nor primary care problems.

Add to that the person's insurance depending on the IRS, and it's an abyss.

[justjim]

Like a lot of Government legislation, revisions are often needed and the Affordable Care Act is no different. I hope there is the will and a way.

It has been help for ESPECIALLY those with pre-existing conditions. My son can now keep the grandchildren on his policy---and that too was good.

OP, blessings and prayers for your situation.

[Taltarzac725]

In post #37 on the thread "Big Black Eye for TV", it says, "I am part of the way through applying for the ACA. It keeps telling me I am not eligible for Florida Medicaid because I have not filed any Federal Tax forms."

I think this is where the deep involvement of the IRS in the ACA and healthcare is rearing its ugly head (the IRS's ugly head).

Knowing that there are probably millions of poverty-level people across the country who have not filed income taxes--because they work for cash under the table or simply do not have income)--it seems to me that....

When an extremely intelligent, capable and educated-with-law-degree person cannot get the application process done reasonably, all the thousands or millions of under-educated and slow-minded people who haven't filed taxes are just plain up s-creek without a paddle.

And where do these people go then? To the E.R. where they rightly cannot be turned away, which is the most expensive setting possible for care, and is the place that is most expensive to run because it is set up heavily-staffed and heavily-equipped 24/7/365 to handle "emergencies" of life and limb, NOT urgent care, minute clinic, nor primary care problems.

Add to that the person's insurance depending on the IRS, and it's an abyss.

My situation is quite complicated. I am sure there are others kind of like mine as well.

I did have a medical problem a month or so and just went to Urgent Care and my parents picked up the bill. I really want ObamaCare to work for me in one way or another so that they no longer have to do this.

[ilovetv]

My situation is quite complicated. I am sure there are others kind of like mine as well.

I did have a medical problem a month or so and just went to Urgent Care and my parents picked up the bill. I really want ObamaCare to work for me in one way or another so that they no longer have to do this.

I really want the system to work for you and everyone, too.

Everyone needs to take a hard look at the IRS's control in all of it. To me it's looking awfully punitive to cash-earners or non-earners, whose taxes aren't in order, while already being in dire health and poverty-stricken.....too weak to fight the system.

Wishing you the best, and thank God you have family to help.

[Taltarzac725]

I really want the system to work for you and everyone, too.

Everyone needs to take a hard look at the IRS's control in all of it. To me it's looking awfully punitive to cash-earners or non-earners, whose taxes aren't in order, while already being in dire health and poverty-stricken.....too weak to fight the system.

Wishing you the best, and thank God you have family to help.

Thanks. They have been the world to me. I am not sure what kind of nexus there is between the IRS, ICE, and other governmental agencies and ObamaCare. http://www.ice.gov/

[rubicon]

In post #37 on the thread "Big Black Eye for TV", it says, "I am part of the way through applying for the ACA. It keeps telling me I am not eligible for Florida Medicaid because I have not filed any Federal Tax forms."

I think this is where the deep involvement of the IRS in the ACA and healthcare is rearing its ugly head (the IRS's ugly head).

Knowing that there are probably millions of poverty-level people across the country who have not filed income taxes--because they work for cash under the table or simply do not have income)--it seems to me that....

When an extremely intelligent, capable and educated-with-law-degree person cannot get the application process done reasonably, all the thousands or millions of under-educated and slow-minded people who haven't filed taxes are just plain up s-creek without a paddle.

And where do these people go then? To the E.R. where they rightly cannot be turned away, which is the most expensive setting possible for care, and is the place that is most expensive to run because it is set up heavily-staffed and heavily-equipped 24/7/365 to handle "emergencies" of life and limb, NOT urgent care, minute clinic, nor primary care problems.

Add to that the person's insurance depending on the IRS, and it's an abyss.

ilovetv: I like the way you roll

[rubicon]

I really want the system to work for you and everyone, too.

Everyone needs to take a hard look at the IRS's control in all of it. To me it's looking awfully punitive to cash-earners or non-earners, whose taxes aren't in order, while already being in dire health and poverty-stricken.....too weak to fight the system.

Wishing you the best, and thank God you have family to help.
ilovetv: Keep rolling

[Bay Kid]

Yet it has been a life saver for so many others. It seems to have a lot to do with how wealthy you are. It is more helpful to the old and the poor. Why do they get a break on the cost of living with good health care? I worked for 40 years so, I am not getting a break, but am very thankful for those that do.

I am not rich by any means. Worked all my life and paid for my insurance privately, always. Now I am poorer, to the tune of $6,000. EXTRA a year! I am covered for anything previous, BUT ONLY if I keep this current plan that the insurance companies keep raising my cost. I am for helping the old and poor, but not the lazy, let the government take of me people and at what cost. Then the very people that passed this terrible law exempt themselves from the law. I am the middle class and WE cannot afford to pay all the bills.

[Bay Kid]

The Affordable Health Care Act probably will need a lot of updates and revisions and the like.

By the time THEY get it together it will be too late to reverse the damage for the people that pay their own insurance. Truth is THEY want to totally take over healthcare. And THEY do such a good job at running a business.

[DaleMN]

Ever wonder who "They" is? "They" say blah, blah, blah. :doh:

[JourneyOfLife]

IMO.... most people do not understand healthcare financing or the relevant issues.

The other issue, is that some, actually many, attribute their access to healthcare insurance to something they did or did not do. The best most people can claim is they happened to end up with it... in most cases through no care or effort of their own! Someone else laid it in their hands. They were lucky enough... so far, to not have it taken away from them!

[Taltarzac725]

This is just about my filling out the application for medical insurance via the Affordable Care Act. I have not had any medical insurance since 1991 or so. That was while I worked at the University of Minnesota Law Library and lost my contract with them after I had finished working on the WESTLAW cataloging project.

I felt that I had to describe why I thought I had not been able to find any employment after 1991 and am hoping that they will also look into this. I have been selecting maybe 120 copies of documents I have sent or received. A lot of these are from US, state and governmental entities like some State Attorney Generals and victim assistance agencies.

If you have followed my posts on Talk of the Villages you know about the 2/24 1976 murder of my then high school teacher's daughter Michelle Mitchell. This happened in a garage across the street pretty much from the University of Nevada, Reno quite close to the nursing education buildings. Michelle had been a nursing student. The murderers of Michelle were trying to make it look like a serial killer was terrorizing Reno and had picked Michelle at random and hid in her back seat while she was doing something in the nursing buildings. Then they took her a few hundred yards and murdered her. They had had a life insurance interest on a woman they had murdered a few days before and were trying to cover up this murder of a black casino manager.

My birthday is 2-24. I turned 55 on 2-24-2014. Born in 1959 in Wisconsin. I still speak with a bit of a cheesehead accent.

As you may gather, this Michelle Mitchell murder was a huge media event in Reno especially because it was not solved until 1979. The murder of the black casino woman had not been connected to the Michelle Mitchell murder until 1979 when one of the conspirators bragged about the murders and the reason behind them, probably, to a fellow jail/prison inmate in Louisiana.

The case broke wide open. I never met Michelle Mitchell but anyone that had had been put under investigation for her murder. This included some of my classmates at Earl Wooster High School like John P. I had been having a quiet birthday celebration the Tuesday (?) night that Michelle Mitchell had been killed.

These Wooster High students had often looked to me for guidance partly because I had been kind of a teacher's pet for Mrs. Mitchell while I was in her remedial English class at Wooster. John P. and I had received small Scholarships in the name of Michelle Mitchell which I used for the 1976/1977 Semesters at the University of Nevada, Reno.

I had searched in libraries all over the Reno area to help my classmates perhaps cope with their feelings and the like but found next to nothing in any of these various libraries.

I started on a mission to do something about this huge niche but was met AFTER I had earned four degrees to give me some credibility with attacks on my mental health for going into detail abut what many in the law librarianship profession portrayed as my personal problems. A huge niche in services towards the group --victims of violent crimes-- which should be the MOST important group in the criminal justice system-- is hardly the personal problem of any one man. I did have some support at the University of Minnesota from some law professors and some students but not enough to keep my employment contract intact.

This kind of approach of putting a critic's mental health into issue made me mad not insane. But, I was pushed to elaborate lengths to do something about this niche.

My package I am sending to the ObamaCare people outlines how I was made out to look mentally ill just for fighting for the rights of again the group that should be of central importance to the criminal justice system.

Hopefully, this will get me medical insurance coverage which I have not had since 1991. I am basing it on the appearance of being mentally ill. I am not but certainly have faced quite a bit of depression for some making this so so hard a road. When someone with a huge amount of proportional power puts a label of mental illness on you just because you have a deep concern when the needs of a certain group are not really being adequately met it is very distressing for the person that goes through this.

If it does not get me the medical insurance I really need, maybe it will ignite more of a call for seriously addressing the needs of those who have been pulled into the legal system without any consent of their own. I do feel that something -- fate-- pulled me into this because of the 2-24 murder of Michelle Mitchell and how much of a role her mother Barbara Mitchell handed me in the way of standing up for what you believe in and never giving up no matter what the cost it might have to you. Of course, there have been huge costs to my immediate family in providing a home, bed, food, and some sense of hope. I seriously think I would not be alive now without their assistance. It has been a very hard fight for everyone in my immediate family.

I strongly agree with the need of the Affordable Care Act because they are many who have fallen through the cracks-- or were pushed through them like me.

Again, I hope this thread does not become political. It is more about the needs of the survivors/victims of crimes and my role in fighting for these.

I have been remiss about applying for jobs here in the Villages which would have stopped me from having to explain myself to the Federal government but there is still that huge gap in my employment record that any cautious potential employer would have some question about at some time. I am not particularly good at hiding things and most people can tell that I am hiding things. I want to make sure I do not come across as knocking the Villages, the various companies here, or especially TOTV. I have had a great quiet life here in the Villages since 2005 and have greatly enjoyed being on TOTV since 2007 or so.

Not having medical insurance, however, is a huge worry especially with someone who is now 55. My situation has caused depression at times but nothing I have not been able to handle. I did have a nervous breakdown in 2000 because of all the stress and probably because of much more sinister factors but I really do not have enough objectivity about that whole situation. Maybe, the OBamaCare people can also help with what happened there. The Pinellas County Sheriff's office did not seem to get it. I did go down to their headquarters around September 18, 2002 and reported what I had experienced and gave them a couple of hundred copies of letters I had received during my fight for respect for the needs of survivors/victims of crimes.

I sent my package a few weeks ago @ March 13, 2014, but have not heard anything. It seems like I have two more weeks (after March 31, 2014) to deliberate about what else I might tell them if and when I call. It is kind of hard to put such heavy experiences into a few lines especially if you are talking over the phone to a person who probably just sees you as another file number.

I do hope that whoever winds up with the various documents I sent the ObamaCare people in London, KY authenticate these documents to make sure that these are from the agencies, people, etc. on the various letterheads. Some of these responses were unbelievable to me. They do tell a fascinating story. I hope I do not come across as being narcissistic in all this as I am but one of the people in this drama and probably --in my own eyes-- not one of the major ones.

My goal, of course, with sending in the application is affordable health care for myself.

[Taltarzac725]

This is just about my filling out the application for medical insurance via the Affordable Care Act. I have not had any medical insurance since 1991 or so. That was while I worked at the University of Minnesota Law Library and lost my contract with them after I had finished working on the WESTLAW cataloging project.

I felt that I had to describe why I thought I had not been able to find any employment after 1991 and am hoping that they will also look into this. I have been selecting maybe 120 copies of documents I have sent or received. A lot of these are from US, state and governmental entities like some State Attorney Generals and victim assistance agencies.

If you have followed my posts on Talk of the Villages you know about the 2/24 1976 murder of my then high school teacher's daughter Michelle Mitchell. This happened in a garage across the street pretty much from the University of Nevada, Reno quite close to the nursing education buildings. Michelle had been a nursing student. The murderers of Michelle were trying to make it look like a serial killer was terrorizing Reno and had picked Michelle at random and hid in her back seat while she was doing something in the nursing buildings. Then they took her a few hundred yards and murdered her. They had had a life insurance interest on a woman they had murdered a few days before and were trying to cover up this murder of a black casino manager.

My birthday is 2-24. I turned 55 on 2-24-2014. Born in 1959 in Wisconsin. I still speak with a bit of a cheesehead accent.

As you may gather, this Michelle Mitchell murder was a huge media event in Reno especially because it was not solved until 1979. The murder of the black casino woman had not been connected to the Michelle Mitchell murder until 1979 when one of the conspirators bragged about the murders and the reason behind them, probably, to a fellow jail/prison inmate in Louisiana.

The case broke wide open. I never met Michelle Mitchell but anyone that had had been put under investigation for her murder. This included some of my classmates at Earl Wooster High School like John P. I had been having a quiet birthday celebration the Tuesday (?) night that Michelle Mitchell had been killed.

These Wooster High students had often looked to me for guidance partly because I had been kind of a teacher's pet for Mrs. Mitchell while I was in her remedial English class at Wooster. John P. and I had received small Scholarships in the name of Michelle Mitchell which I used for the 1976/1977 Semesters at the University of Nevada, Reno.

I had searched in libraries all over the Reno area to help my classmates perhaps cope with their feelings and the like but found next to nothing in any of these various libraries.

I started on a mission to do something about this huge niche but was met AFTER I had earned four degrees to give me some credibility with attacks on my mental health for going into detail abut what many in the law librarianship profession portrayed as my personal problems. A huge niche in services towards the group --victims of violent crimes-- which should be the MOST important group in the criminal justice system-- is hardly the personal problem of any one man. I did have some support at the University of Minnesota from some law professors and some students but not enough to keep my employment contract intact.

This kind of approach of putting a critic's mental health into issue made me mad not insane. But, I was pushed to elaborate lengths to do something about this niche.

My package I am sending to the ObamaCare people outlines how I was made out to look mentally ill just for fighting for the rights of again the group that should be of central importance to the criminal justice system.

Hopefully, this will get me medical insurance coverage which I have not had since 1991. I am basing it on the appearance of being mentally ill. I am not but certainly have faced quite a bit of depression for some making this so so hard a road. When someone with a huge amount of proportional power puts a label of mental illness on you just because you have a deep concern when the needs of a certain group are not really being adequately met it is very distressing for the person that goes through this.

If it does not get me the medical insurance I really need, maybe it will ignite more of a call for seriously addressing the needs of those who have been pulled into the legal system without any consent of their own. I do feel that something -- fate-- pulled me into this because of the 2-24 murder of Michelle Mitchell and how much of a role her mother Barbara Mitchell handed me in the way of standing up for what you believe in and never giving up no matter what the cost it might have to you. Of course, there have been huge costs to my immediate family in providing a home, bed, food, and some sense of hope. I seriously think I would not be alive now without their assistance. It has been a very hard fight for everyone in my immediate family.

I strongly agree with the need of the Affordable Care Act because they are many who have fallen through the cracks-- or were pushed through them like me.

Again, I hope this thread does not become political. It is more about the needs of the survivors/victims of crimes and my role in fighting for these.

I have been remiss about applying for jobs here in the Villages which would have stopped me from having to explain myself to the Federal government but there is still that huge gap in my employment record that any cautious potential employer would have some question about at some time. I am not particularly good at hiding things and most people can tell that I am hiding things. I want to make sure I do not come across as knocking the Villages, the various companies here, or especially TOTV. I have had a great quiet life here in the Villages since 2005 and have greatly enjoyed being on TOTV since 2007 or so.

Not having medical insurance, however, is a huge worry especially with someone who is now 55. My situation has caused depression at times but nothing I have not been able to handle. I did have a nervous breakdown in 2000 because of all the stress and probably because of much more sinister factors but I really do not have enough objectivity about that whole situation. Maybe, the OBamaCare people can also help with what happened there. The Pinellas County Sheriff's office did not seem to get it. I did go down to their headquarters around September 18, 2002 and reported what I had experienced and gave them a couple of hundred copies of letters I had received during my fight for respect for the needs of survivors/victims of crimes.

I am going through the Appeals process for getting medical insurance. Our family cannot afford the rather hefty prices ObamaCare had for medical insurance for me so I am trying to qualify for Florida Medicaid. Not sure how this works?

I had a conference call yesterday morning (April 10, 2014) and basically that just went over what I had submitted a few months ago on January 15, 2014.

They did not mention my @120 survivors/victims rights documents but did want a notarized letter about my expected finances in 2014 as well as a copy of my birth certificate. Can you believe it is $10.00 to get a letter notarized!!! I had to modify it a bit after notarization so I just initialed it. I had written down that I get a monthly allowance when I really meant weekly. I do get flustered when the government comes a calling.

I had no idea they would call yesterday so was quite discombobulated when they did. I could hardly talk right. And, it is kind of hard to predict how much money you are going to make in the future. I just mentioned my weekly allowance as well as the various gifts I got for my birthday (2-24-1959) and Christmas. I am usually kind of flush-- for me-- around the first of the year.

I wonder how the State of Florida is going to handle my extended story if it comes to that???

[Lahaja]

Taltarzac - Why are you making this more complicated than it needs to be? If you are just looking for health car coverage, apply and get it. My husband is 64 - has had three heart attacks - was dropped from Aetna in 2012 and )thank God for the fact they can no longer judge on pre-existing conditions), picked up Florida blue Cross/blue Shield at the rate of 400.00 per month. This is NOT through the government Affordable Health Care Act (healthcare.gov). This is by calling an insurance broker and getting insured. THAT SIMPLE. I am 50 with high BP (medicated) and mine is under 300.00 per month.
It's out there …all you have to do is call them. Not send 110 pages of history.

[billethkid]

there are some benefits like eliminating pre existing conditions.
And for the sake of example let us just focus on that one aspect.
It is less than one year in effect. The insurance companies are happily signing up folks they would not have in the past. The premiums, at this point do not seem to far afield if at all.

HOWEVER, as the claim incident rates start to climb...and they most certainly will with pre existing conditions they did not cover before......and as the serious claims in that mix increase....the payout by the insurance company will increase, substantially and if the insurance companies want to maintain their current level of profitability they can only raise premiums.

These increasing claims over the years is what has literally priced health insurance out of almost all company benefit programs in the USA. That same incident rate will be the cause of many insurance companies eventually rolling over and ceasing to exist.

Some believe this will eventually lead to only one source for coverage.....the US government.

The above is not speculation. It is a fact born by historical evidence.

And remember the above is based upon only one aspect of the new law.

The coverage any of us have today is the best and least expensive it will ever be.

[Taltarzac725]

Taltarzac - Why are you making this more complicated than it needs to be? If you are just looking for health car coverage, apply and get it. My husband is 64 - has had three heart attacks - was dropped from Aetna in 2012 and )thank God for the fact they can no longer judge on pre-existing conditions), picked up Florida blue Cross/blue Shield at the rate of 400.00 per month. This is NOT through the government Affordable Health Care Act (healthcare.gov). This is by calling an insurance broker and getting insured. THAT SIMPLE. I am 50 with high BP (medicated) and mine is under 300.00 per month.
It's out there …all you have to do is call them. Not send 110 pages of history.

That's pretty expensive. I am trying to appeal my Marketplace denial of Medicaid because I did not file a tax return as my individual income was under the amount which you need to file. http://www.irs.gov/Filing I do not think my parents should continue footing my medical and dental bills. I am trying to explain with the 120 copies of documents-- dating from 1990 through 2006-- mainly from other State, Federal and International Governmental agencies why I have had such a hard time finding suitable work with four degrees, 24 nominations to Marquis Who's Who publications from 1992 through 2002, and other stuff. I believe the problem is that I ****ed off some very powerful people by fighting for the underdogs in the legal system and I have tried very hard to document everything as carefully as possible.

I need to send the appeal people a few more documents.

[Chi-Town]

A single payer system a la Medicare appears to be the natural progression towards universal health care. It will be interesting to see how all this plays out. In the meanwhile we can look to Massachusetts to see how their plan worked as it mirrors the ACA.

[mulligan]

Having recently moved from Ma. , I can tell you it almost bankrupted the state.

[Chi-Town]

Having recently moved from Ma. , I can tell you it almost bankrupted the state.

Well, that's not good. But thanks for the info.

Tal, head to BCBS of Florida and check their rates. I think your window for the ACA is closed until November.

[mickey100]

Having recently moved from Ma. , I can tell you it almost bankrupted the state.

From what I've read, the original 2006 Massachusetts law did not contain cost controls, which were added back in 2013. The Affordable care act has had cost controls built in right from the beginning.

[Taltarzac725]

Well, that's not good. But thanks for the info.

Tal, head to BCBS of Florida and check their rates. I think your window for the ACA is closed until November.

Not according to their website. I tried to get medical insurance but could not afford their rates for Florida according to the web-site. So, I wanted to explain my lack of resources to the Federal Government and hoped that they would authenticate the documents I had sent them AND help me convince the State of Florida to put me on Medicaid. The woman I talked to in a phone call a few weeks ago thought I had a good chance. I suppose it would be best if I could afford medical insurance on my own but I am not there yet.

If not, I will probably have to pay the fine. It should help me find some kind of work though if I can explain why there is such a huge gap in my work history. I never had the resources to authenticate these documents myself. The Federal Government should have these resources.

Remember that I fought rather hard to get information of a practical nature into libraries or accessible through libraries from 1991 through 2005 or so. I kind of threw in the towel after we moved to the Villages in 2005. I had based why I was fighting so hard on my own experiences with the Michelle Mitchell murder on my birthday of 2-24 in 1976 in Reno, Nevada and my failure to find much of any real practical value. I tried to get an international dialog after 1993 about this niche and attempted to bring in every one and any one who might be affected by violent crime. That included many associations, celebrities, large companies, etc. I tried to put a public health spin on it after being involved with a 17 week study at the University of California San Francisco Health Campus as subject #613 in 1992-1993. I wrote hundreds of thousands of e-mails about my experiences from 2000 through 2005 or so. One of these popped up on a student blog of a major Boston area university in 2011 even though I sent this in 2003. Remember that my training is as a Law Librarian and I had cataloged all the computer files on WESTLAW for a National Project from 1988 through 1991 while at the University of Minnesota Law Library.

[Gat0r]

Nothing came out of the aca but preexisting conditions.

[Bay Kid]

Last month my Athem insurance took a big price jump. Well I called the agent and requested quotes for a different policy. She sent 2 that looked pretty good so I called her to pick one. To my surprise they will not be available until October/November. She said under the ACA all new policies aren't available to then. I asked why and she said it is in the ACA. I guess I should of read the ACA?????

[Chi-Town]

Last month my Athem insurance took a big price jump. Well I called the agent and requested quotes for a different policy. She sent 2 that looked pretty good so I called her to pick one. To my surprise they will not be available until October/November. She said under the ACA all new policies aren't available to then. I asked why and she said it is in the ACA. I guess I should of read the ACA?????

It is normal for companies that have health insurance for their employees to have enrolment periods. You can make changes or keep it the same at that time. After that period is over you have to wait until the next one, usually one year. I guess the ACA is the same.

[DaleMN]

A single payer system a la Medicare appears to be the natural progression towards universal health care. .

Let's hope so.

[Bay Kid]

It is normal for companies that have health insurance for their employees to have enrolment periods. You can make changes or keep it the same at that time. After that period is over you have to wait until the next one, usually one year. I guess the ACA is the same.

I am not with any company. I have been paying my own way for 38 years. We have always been able to shop and buy a new policy anytime. Now I am told by the agent no new policies are available until November, per the ACA. This just isn't right for private business to be put on hold until November.

[jflynn1]

Your agent is incorrect

[jflynn1]

Again agent is not correct. He or she just has to look harder for you or find another insurance agent.

[Parker]

Your agent is incorrect


According to a news article I read just last week, the OP is correct. Just one of the many things we were not told about the ACA. Many more fun surprises to come.

[DaleMN]

I love surprises. :doh:

[ilovetv]

According to a news article I read just last week, the OP is correct. Just one of the many things we were not told about the ACA. Many more fun surprises to come.

I love surprises. :doh:

You're hoping for "surprises" like this (below) for our whole nation of 314 million people??

(CNN) -- At least 40 U.S. veterans died waiting for appointments at the Phoenix Veterans Affairs Health Care system, many of whom were placed on a secret waiting list.

The secret list was part of an elaborate scheme designed by Veterans Affairs managers in Phoenix who were trying to hide that 1,400 to 1,600 sick veterans were forced to wait months to see a doctor, according to a recently retired top VA doctor and several high-level sources.

For six months, CNN has been reporting on extended delays in health care appointments suffered by veterans across the country and who died while waiting for appointments and care. But the new revelations about the Phoenix VA are perhaps the most disturbing and striking to come to light thus far.

Internal e-mails obtained by CNN show that top management at the VA hospital in Arizona knew about the practice and even defended it....."

See video by Anderson Cooper.....

A fatal wait: Veterans languish and die on a VA hospital's secret list - CNN.com (http://www.cnn.com/2014/04/23/health/veterans-dying-health-care-delays/)

[Bucco]

According to a news article I read just last week, the OP is correct. Just one of the many things we were not told about the ACA. Many more fun surprises to come.

Most of the taxes associated with this bill have been delayed. That includes the old "Cadillac" tax. Many surprises for sure.

[mickey100]

You're hoping for "surprises" like this (below) for our whole nation of 314 million people??

(CNN) -- At least 40 U.S. veterans died waiting for appointments at the Phoenix Veterans Affairs Health Care system, many of whom were placed on a secret waiting list.

The secret list was part of an elaborate scheme designed by Veterans Affairs managers in Phoenix who were trying to hide that 1,400 to 1,600 sick veterans were forced to wait months to see a doctor, according to a recently retired top VA doctor and several high-level sources.

For six months, CNN has been reporting on extended delays in health care appointments suffered by veterans across the country and who died while waiting for appointments and care. But the new revelations about the Phoenix VA are perhaps the most disturbing and striking to come to light thus far.

Internal e-mails obtained by CNN show that top management at the VA hospital in Arizona knew about the practice and even defended it....."

See video by Anderson Cooper.....

A fatal wait: Veterans languish and die on a VA hospital's secret list - CNN.com (http://www.cnn.com/2014/04/23/health/veterans-dying-health-care-delays/)


According to CNN, this is a terrible scandal perpetuated by Veterans Affairs managers. To imply that this would happen to the entire country under the Affordable Care Act, is, in my opinion, a little far fetched. Of course there are going to be glitches as this huge, new system rolls out, but in time things will work out.

[Bay Kid]

Again agent is not correct. He or she just has to look harder for you or find another insurance agent.

I wish you were right, but you aren't. I talked to another Athem agent and there is nothing can be done until after the 1st of November, you know what is going on there, unless they cancel my policy. I have a friend that got a letter from Athem that he is being canceled in November. All he can do is shop for a new policy, but can't buy it until November. Maybe I can get some old policy from a cut-rate company, but that is all and not sure about that. Check your agent. The 2 I spoke said this is the new ACA government law.