An insurance company suspends your medical coverage for months–or longer.
Even though you’ve faithfully paid all premiums for your medical insurance–and have the records to prove it.
Think it can’t happen to you? It did to a couple I’ll call Diane and Mike.
Mike worked as a paralegal for a Los Angeles law firm. He was getting health insurance for himself and his wife, Diane, under a COBRA arrangement.
COBRA stands for Consolidated Omnibus Budget Reconciliation Act of 1985. It’s a Federal law that was passed by Congress and signed by President Ronald Reagan.
One of its provisions creates an insurance program giving some employees the ability to continue health insurance coverage after leaving employment.
But a COBRA can sometimes act the same way the deadly poisonous snake does–with unpredictable and lethal results for those depending on it.
In this case, after Mike left his law firm to work at another, he found the COBRA didn’t operate as it was supposed to.
A snafu developed, involving
- the COBRA management company,
- the hospital where Mike and Diane had long been patients, and
- Mike’s former employer.
Each of these institutions blamed the other for failing to provide appropriate information.
So the insurance company suspended Mike and Diane’s health insurance–completely ignoring their medical needs.
Then, one day, Diane called me on an unrelated matter. During the conversation, she let slip the suspension of her medical insurance.
I was stunned at the news–and outraged when she said this had been going on for six months.
At once, I offered my services as a troubleshooter. She accepted.
I decided to call the office of my State Assemblyman. In California, the 80 members of the Assembly serve two-year terms, and are limited to being elected three times.
The 40 members of the State Senate serve four-year terms, and can be elected twice.
Because they face re-election sooner, members of the Assembly must stay closely attuned to resolving their constituents’ problems. That’s why they employ staffers who are experts at navigating through the maze of State agencies.
And State Senators make certain their offices are equally well-staffed with such experts.
When I called my Assemblyman’s office, I didn’t ask to speak with him. I knew I was too politically unimportant to rate a direct chat at that level. And I didn’t need to talk with him, anyway.
I simply told the secretary that I wanted to speak with the office’s specialist on insurance.
California has an Insurance Commissioner who directs the state’s Department of Insurance. The mandate of this agency is to license, regulate and examine insurance companies.
Soon I was speaking with Frank, the Assemblyman’s expert on insurance matters. I quickly explained the problem my friends were having. And, to my surprise, I found that he and I hit it off right away.
Frank said he had a friend–Steve–who worked as an investigator for the Department of Insurance. Then he generously offered to put me through to him. I thankfully accepted.
Soon Steve and I quickly found ourselves getting along well. Then he asked me: “What’s your friend’s number?”
Diane hadn’t authorized me to give her number to anyone, but I decided to forward it. If Steve was that interested in examining their problem, I wasn’t going to throw a damper on his enthusiasm.
Soon Steve and Diane were discussing the situation.
And shortly after that, her insurance company got an unexpected call from the Insurance Commissioner’s office.
The message was simple–and blunt: Restore that coverage–now.
And, within 48 hours, it had been fully restored.
There are several important lessons to be learned here:
- Maintain accurate records of all your premium payments. And keep them accessible–as in file folders, a safe deposit box or an online file.
- Don’t let your insurance company victimize you. Once you’ve paid your premium, you’ve lived up to your part of the arrangement. Now it’s their obligation to provide the medical care you need.
- Know the names, addresses and phone numbers of your representatives–at local, state and Federal levels. Websites such as http://www.govspot.com/ and http://www.capweb.net/usa/California will instantly provide this information–and a great deal more.
- Know the name, address and phone number of your state Insurance Commissioner.
- If your elected representatives can’t or won’t assist you, complain to the news media. Start with the local newspapers and TV stations. If that doesn’t work, try the Internet.
- If the agencies that are supposed to help consumers won’t aid you, make them part of your complaint to the media.
- If you’re disabled and/or have children who are affected by the insurance cut-off, play up this angle in your contacts with public agencies and/or the media.
- If all else fails, consider filing a lawsuit against the insurance company.

2008 ELECTION, ABC NEWS, ADOLF HITLER, ANN COULTER, BENITO MUSSOLINI, CBS NEWS, CHRISTIANS, CNN, ERNEST HEMINGWAY, FACEBOOK, FASCISM, FRANCISCO FRANCO, GUN CONTROL, HILLARY CLINTON, JEWS, MARTIN BASHIR, MEGHAN MCCAIN, MEIN KAMPF, NAZI GERMANY, NBC NEWS, SEAN HANNITY, SENATOR JOHN MCCAIN, TWITTER
A LIE TOLD BY BULLIES
In History, Politics, Social commentary on April 16, 2013 at 12:05 amErnest Hemingway said it best: “Fascism is a lie told by bullies.”
And right-wing pundit Ann Coulter best illustrates the truth of this.
Let’s start at the beginning: On April 7, Martin Bashir, host of MSNBC’s Martin Bashir program, wondered if a personal experience were the only way to get Republicans to drop their threat to block a vote on the gun control legislation that Newtown families were begging them to vote on.
Martin Bashir
After all, United States Senator Rob Portman (R-Ohio) recently announced his two-year conversion to accepting same-sex marriage after his own son “came out’ as homosexual.
“Nobody is suggesting that the law should only be defined and developed by the victims of crime,” said Bashir. But also pointed out the overwhelming public support for universal background checks.
“Are these senators simply too frightened of the NRA to do the people’s bidding?” Bashir asked.
Rep. Elijah Cummings (D-Maryland) responded: “Martin, I never thought it would happen to me, but on a Friday at 12:00, it was 2 years ago, I got a call my nephew had been killed. Shot to death at 5:00 in the morning, and he’s dead at 21 years old.”
Cummings’ nephew, Christopher Cummings, was shot and killed in 2011 at his off-campus apartment in Norfolk, Virginia. His murder has not been solved.
“But Congressman,” Bashir said, “is that what needs to happen to move these senators to stop threatening a filibuster? Is that really what needs to happen? That you need to have a member of your family killed in order for you to do what the American people want you to do?”
“I hope not,” Cummings replied. “I don’t wish this pain on anybody.”
Of course, that was not how the exchange went down in Ann Coulter’s version.
Ann Coulter
In an April 10 column entitled “Liberals Go Crazy for the Mentally Ill,” Coulter offered this tem of a proposal:
“MSNBC’s Martin Bashir suggested that Republican senators need to have a member of their families killed for them to support the Democrats’ gun proposals. (Let’s start with Meghan McCain!)”
Needless to say, Meghan McCain–the daughter of Arizona United States Senator John McCain–was not amused.
“Apparently Ann Coulter made a joke about me being killed in a recent column,” McCain tweeted on April 11. “I should expect nothing less but disgusted regardless.”
And, in another Twitter posting, she wrote: “My father is a very famous politician. My family gets a lot of threats. Joking about me being killed really isn’t funny or appropriate.”
Meghan McCain
She and Coulter have been at odds ever since McCain dared to pen a column entitled, “My Beef With Ann Coulter” in 2009.
In that column–published in The Daily Beast–McCain wrote:
“It is no secret that being a Republican isn’t the most hip political stance a person can take right now….
“To make matters worse, certain individuals continue to perpetuate negative stereotypes about Republicans. Especially Republican women. Who do I feel is the biggest culprit? Ann Coulter.
“I straight up don’t understand this woman or her popularity. I find her offensive, radical, insulting, and confusing all at the same time….
“Coulter could be the poster woman for the most extreme side of the Republican Party…. Is she for real or not? Are some of her statements just gimmicks to gain publicity for her books or does she actually believe the things she says?
“Does she really believe all Jewish people should be ‘perfected’ and become Christians? And what was she thinking when she said Hillary Clinton was more conservative than my father during the [2008] election?”
The most effective way to hurt an enemy is to tell the truth about him. Or, as in this case, her.
It’s a “crime” that aggressive venom-spewers like Coulter can never forgive. And, like most bullies, she refused to accept any responsibility for her action.
“I was making a joke,” Coulter told Sean Hannity on his right-wing The Sean Hannity Show.
“For one thing … that heinous thing Martin Bashir said, nobody knew about that until I added a joke, which is known as hyperbole.”
Of course, Bashir had not called on anyone to kill the members of Republicans’ families–as Coulter had “jokingly” called upon others to kill McCain.
(It was Adolf Hitler who, in Mein Kampf, laid down guidelines for the successful use of propaganda–rules such as “The Big Lie”:
Adolf Hitler
“And thus in the primitive simplicity of their minds [people] more readily fall victims to the big lie than the small lie, since they themselves often tell small lies in little matters but would be ashamed to resort to large-scale falsehoods.”)
“You were being sarcastic,” said Hannity.
“I think the exclamation point made it clear,” Coulter said with a smile. “And the fact that everyone laughed when they read it.”
Thus, Fascists like Ann Coulter use the same tactics in the 21st century as Benito Mussolini and Adolf Hitler used in in the 20th century: Believe what we say or prepare to die.
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