Measure P

Measure P
GMO Contamination Protection Ordinance

Thursday, July 5, 2012

What Obama Cares Means For Business Owners

The Affordable Care Act or Obama Care as some call it, ( I like Obama Cares) will have implications on business owners.  Even small businesses without employees need to keep up on the law as it is being written.  Yes, you may have heard all kinds of things about the horrors of this new legislation but what you may have not known is that it isn't even written yet.  For the most part, the law will be written as it is implemented.

While I would have preferred that we have a system like Medicare where we all pay in and get a basic service.  Those with lots of money could still purchase private insurance but everyone would be covered for basic health care.  Unfortunately that is not what we have yet.  The Affordable Care Act relies on a public mandate to purchase insurance from private companies and businesses that are in the business of making money.  They are not in the business of health care, if they are corporations they are required to show a profit.  It is in their charters that they bring profits to their share holders if they are public corporations.  If the government were the system, we could spend less on commercials with cartoon lizards or other advertising. We could buy prescription drugs in bulk and save, instead of paying the highest prices in the world.  There are many more arguments for Single Payer Health Care here in the U.S. but what we have is what we have.  That's why I wanted to share with you the perspective of what this all means from someone in the insurance business.  My sisters are owners of an insurance company and they have to deal with this stuff before we do so that they can explain it to us when we finally get around to wrapping our minds around this historic  new  law.

Here is what they are saying to business owners about the Affordable Care Act:


Thursday, July 5, 2012


Regulations, Regulations, Regulations!



Regulations, regulations, regulations! The Affordable Care Act set up the provisions for the new health care law.  Now administrators (not elected officials) write the interim rules that will eventually lead to the regulations.  The interim rules are set to give a “heads up” to all involved so they can begin to plan, adopt and coordinate these rules into practice.  The interim rules can be changed if there is enough pressure on those writing the rules.  That is why so much of the actual law is still an unknown. 


Over the next couple of years, while all these laws start as interim rules and then become regulation, business owners need to pay attention and begin implementing these regulations as they arise.  Staying on top of these rules from the onset will make the transition so much easier.  Waiting until the last minute to comply will cause much undue stress. Owners of businesses will find that they need to spend much more of their time (or hiring someone to do it for them) to keep up on all the new rules.


Reporting, reporting, reporting, this will be the name of the game.  All these new regulations, for practical purposes, mean that everything needs to be reported.  More of every company’s income (time and money) will go to set up and implement the reporting of their data so as to be compliant with the regulations.  Like it or not this is what we all face. We might as well come to terms with it so we can move on. Resisting will waste even more of your time, talent and profit. 


If you are worried about the future and what is ahead for you, do not be afraid to contact us.  We are here to help you work through these times.  No one knows the details of what is ahead, but as we find out we will continue to share it with you.  If you would like to talk to either Lisa Boyajian or Angela Gambino you may reach us at (714)680-5900 or check out our website at www.ansainsuranceservices.com . We work with all major health carriers (Aetna, Anthem, Blue Shield, Health Net, Kaiser, United, and Sea Change) and will continue to stay up to date with them as these regulations come to fruition. 

3 comments:

  1. For disclosure I should point out that I am not a customer of my sisters for insurance. I have been with 21st. Century for my car for twice as long as they have been in business, but if they ever let me down my sisters will get the call. My health insurance is handled through my work and I have little control over that.

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  2. "Henchman Of Justice" says,

    Thanks Tom for your informative post. A few concerns...

    1) Yes, you may have heard all kinds of things about the horrors of this new legislation but what you may have not known is that it isn't even written yet. For the most part, the law will be written as it is implemented.

    Concern: Is this why "Congress" does not read nearly 2800 pages of documents before they vote? (both democrats and republicans) Shameful deception and misrepresentation by elected representatives representing what again?

    2) While I would have preferred that we have a system like Medicare where we all pay in and get a basic service. Those with lots of money could still purchase private insurance but everyone would be covered for basic health care.

    Response: Problem is that those with little money can ill afford the very high costs that exist. To be an elected official and say costs will come down when more people "who are free loaders/free riders" pay into a policy is deceit, a deflection and a misrepresentation which purposefully, intentionally and willfully denies acknowledging that the facts present have proven lawmakers did not read nearly 2800 pages of that which they use to say costs will come down......any level brained person would understand what lies are being promulgated.

    3) The Affordable Care Act relies on a public mandate to purchase insurance from private companies and businesses that are in the business of making money. They are not in the business of health care, if they are corporations they are required to show a profit.

    Response: Which is why costs will stay high and get higher......Government is whining it needs more tax revenue.......taxation of private insurance business transactions yield more tax revenue than any medicare plan would for government. SEE, government don't really give a flying crud about human individuals, unless it is for duping and stealing from for government growths or power or control.

    continued..... - HOJ

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  3. .......continued

    4) Your sisters make contracts with underwriters whom rip-off the policy holders for higher and higher profits. Not trying to wedge a family, just want you to think about that as sincerely as you wrote this post. Insurance companies and charitable organizations have a lot in common when it comes to profit gougings versus the fact that the people in need of care are seeing the "care money" go into the hands that operate the cash cow machine businees model that launders that money into the pockets of those who are on the "taking end" of the money.......did you know that many charitable organizations launder the money by creating STAFF POSITIONS....in otherwords, stealing donations meant for others and using the donations to "pay-off" the members running the scheme for money that never really gets to those who the donators want that money to go...like veterans.
    5) Lastly, notice how the Obamacare argument about "who pays" is argued as only "TWO SIDES"...those who pay versus those who don't pay

    AND, notice how "those who don't pay" are called free loaders/free riders?

    ALSO, notably to those who DON'T LIE AND DECEIVE, "those who don't pay" ALSO DON'T make-up a single type for representation purposes....

    YES, it is true that "GOVERNMENT" calls those who don't even use healthcare services as freeloaders/freeriders. What is up with government stealing from good people who HAVE NOT freeloaded...even though they have no insurance. There is a difference between using a service as a freeloader versus not using a service AND STILL being labeled as a freeloader. What we have is a percentage of Americans who have decided that it is ok to steal from others since others steal from them....problem is that the stealing is not balanced between only those parties that which are stealing....to include good people is to destroy this nation in a way never done in the past!

    Options: Stop admitting into the hospital uninsured types unless they pay cash (which lowers healthcare costs, true, hard to believe, we know); OR, as soon as someone receives aide of any kind, they must become insured to cover the costs for the whole process created by that visit provided that costs are appropriate and reasonable and not gouging in nature just to maximize profit margins......no reason insurance can't work like a short term loan without interest.

    I like Tom's medicare support, but costs must stay low and people must not be forced to pay into a system they do not benefit from (we differ on mandate it appears). Once a person benefits, then they must pay for it...cash or healthcare policy until costs paid-off. People should not be forced to have health insurance for their whole life. Humans got this far without it, so why the importance....? PROFIT AND TAXATION. AGain, government don't care about people, especially at the local level where everything is PERSONAL, REAL and WILLFULLY INTENTIONAL to no less than spite at times. - HOJ

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