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Lance Man
Works at Cabela's
Lives in Cressona, PA


Lance Man

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This is a story about my hometown. It is in rural south central PA. When I was growing up there in the 70s and 80s almost everyone hunted or had guns. I can not recall there being much if any gun crime at the time.

While times change, it's is still pretty much the same there today.

I guess the out going mayor forgot the First Rule of local Politics: Know your constituency. 
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You need to read, The foulest of them all.
You don't count, nor do I.
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Lance Man

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This is an awful
PA Writer's profile photoLance Man's profile photoTom Brown's profile photo
Hey! What about Candlestick? A season there would make feel really cozy.
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Lance Man

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My fav topic. As we continue to debt various topics, let's not forget about this one. We need to get this under control before we can make the rest work. We can't just spend money like it doesn't matter. That is the way a child looks at things. We need to learn to live within our means.
US National Debt Clock : Real Time U.S. National Debt Clock
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If found this report interesting and here's why:
1. The WH knew people would lose the benefits they were happy with. It doesn't matter if the policy is good or bad, people were happy with the price they were paying and the coverage they had. They should have been allowed to keep them. Please note the quote in the story that turns out to be untrue.
2. While I will agree that Obamacare will do good for some people, you need to agree that it will harm some people too. I get lots of posters here that just can't say that. They sound like robots. "Everyone will benefit...everyone will benefit...over and over.

I think we can agree that while the program is good for some it is also bad for others. While this is true of most laws the big problem here is the WH kept people in the dark. They should have been upfront with the facts and honest and open. 

Now they just look like liars...period.
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Lance Man

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I am actually less concerned about the spying then I am about the lack of control. If the president didn't know about it, who is getting fired at the NSA. Since no one has been fired over the weekend. I would say he knew.

If he did and he approved spying on allied heads of state, then we can expect nothing less then a very negative reaction from them. And for them to no longer trust us at our word.

We got caught with our fingers in the cookie jar.
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Lance Man

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Now for everyone who says that the GOP use scare tactics when talking about the Debt. Please review this and note that it is from the SS website not Fox News or the Washington Times.

It says we are going to run out of money in the SS and Medicare Trust Funds in the near (20 Years) future.

Does anyone of either party have the courage to reform this program that is 38% of federal spending and growing?

Clearly we need to make some hard choices in the near future.
A MESSAGE TO THE PUBLIC: Each year the Trustees of the Social Security and Medicare trust funds report on the current and projected financial status of the two programs. This message summarizes the 2013 Annual Reports. Neither Medicare nor Social Security can sustain projected long-run programs ...
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Lance Man

Shared publicly  - here's my question. What's wrong with a year delay in the Mandate. Clearly the website is a mess and NO ONE can say it isn't. Let's take the pressure off everyone and delay the mandate a year. What could the harm be?

The second major comment seems to be about companies dropping their plans. You didn't see that coming? How naive are the Dems to think that companies would not drop their benefits? It's just good business if its cheaper to pay a penalty then keep covering everyone. My questions is, why did we make the penalty so small that companies could do this? 

I remember over and over being told by the President himself, "if you have coverage you like you can keep it." Now I knew that was a silly promise and I hope he didn't really think that was true. But it turns out that he couldn't back it up at all. So either he is very naive or a liar. Your pick!!!

Again I am not surprised by any of this and would ask this: Where is all the money for fixing this mess coming from? Also, please remember that free benefits aren't really free, they are only free to you. Someone is paying the bill. 

This seems to be the typical DC throw money at the issue and pray that people are to stupid to unite and demand a real answer.
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Lance Man

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Good side is that we are going to cover lots of people who didn't have coverage before. The issue i see with the story is that nothing is taxpayers are going to foot the bill for this. And if you say we aren't, where is the money coming from for all these policies?

I really wish the media would stop saying "free." That implies that no one pays. We all know that isn't true. The insurance companies didn't give those policies away. They will just bill the govt who will use tax money to pay bill. So in the long run we are paying anyway.

No such thing as "free...."
Federal subsidies will pay the entire monthly cost of some plans being offered in the online marketplaces, a surprising figure that has not gotten much attention, in part because the zero-premium plans come with serious trade-offs.
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Lance Man

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First you need to learn to catch the ball. Then to hang onto it...then finally run with it. So far you can't get past the first one yet.
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Ok...since we pretty much rolled down this hill to cover 10% of the population, why aren't we outraged that roughly 1 or 2% of existing people will lose their existing coverage? That's a fact that can't be true because on at least 100 occasions the president said they could keep their policy if they liked them. I heard him. And say what you want about well I know he said, but he ment...either the statement is true or it isn't. No gray area.

So now I wonder the following:
1. If this is a lie, how much else is a lie?
2. If it isn't a lie, then how out of the loop is he?
3. How can so many people see the issues before the people that wrote the law? 
4. How bad will this get once the employer mandate comes into effect in 2015?

I think we are headed down a long dark road with no headlights and a broken GPS. 
CBS News confirms with carriers across U.S.; industry experts say companies have no choice due to minimum Obamacare requirements
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Posted on April 11, 2014  by

The Line: Millions of people have lost their health insurance and their doctors because of the Affordable Care Act.

The Party: Republican

President Obama gave ad-makers plenty of fodder last year when his promise — “If you like your health care plan, you can keep your health care plan” — clearly was proven false. We had said years earlier that Obama couldn’t make that promise to everyone, but the claim made headlines when Americans received cancellation notices for individual market plans that no longer met the law’s requirements.
Critics of the law now say millions lost their health insurance.

But that’s misleading. Those individual market plans were discontinued, but policyholders weren’t denied coverage. And the question is, how many millions of insured Americans had plans canceled, and how does that compare with the millions of uninsured Americans who gained coverage under the law.
There is evidence that far more have gained coverage than had their policies canceled.
The conservative Americans for Prosperity has made the canceled policies a theme in its advertising. In one series of ads, a soft-spoken woman says: “Millions of people have lost their health insurance. Millions of people can’t see their own doctors.” That ad, which aired in February and March, targets Democratic senators in three states: Sens. Mark Udall in Colorado, Mary Landrieu in Louisiana and Mark Pryor in Arkansas. The ad aired against Sen. Kay Hagan in North Carolina in November, and it’s also been used to target a few House members.

Another AFP ad targeting Landrieu — and airing in January — said that “millions of Americans have lost their health care.”
It’s true that insurance companies discontinued health plans that had covered millions of people who had bought them directly rather than through an employer. That’s because those plans didn’t meet the coverage standards of the new law.
But those policyholders didn’t lose the ability to have insurance. In most cases, insurers offered them an alternative plan, though there were some instances of companies exiting the individual market altogether.
Whether offered an alternative or not, individuals could shop for insurance on the federal and state marketplaces, or through a broker or insurance carrier directly. Many were likely eligible for federal subsidies to help pay for insurance, resulting in better coverage and lower rates for some. But the specific plan they had was indeed discontinued. (More than half of those with canceled policies were likely to be eligible for federal assistance, according to Urban Institute research, and about 80 percent of all those buying plans on the exchanges are expected to qualify for subsidies, according to the Congressional Budget Office.)
How many individual market cancellations were there?
The most commonly used figure is 4.7 million, based on reporting by the Associated Press last December. But there’s reason to doubt the accuracy of that figure. An analysis of a more recent poll by researchers at the Urban Institute puts the figure at somewhere around 2.6 million.
An AP story that ran Dec. 26 said that “at least 4.7 million Americans received the cancellation notices,” and gave state-by-state figures for the “number of policies scheduled to be canceled.”
But the news agency didn’t say exactly how it arrived at the other figures that went into the 4.7 million total, making the reporting impossible for outsiders to verify. In three states, the figures appear to be inflated. Washington state’s insurance commissioner, for example, has publicly stated that the AP’s figure of 290,000 discontinued policies in that state is “inaccurate.” In a news release on his official website, Insurance Commissioner Michael Kreidler said that there were only 278,000 total in the individual market at the end of September. Recent reports by our fact-checking colleagues at and the Washington Post show the numbers were too high in Florida and Kentucky.
And now, new research also gives reason to think the AP estimate may be inflated.
In a March 3 posting on the website of the journal Health Affairs, two researchers from the Urban Institute analyzed findings from a nationwide poll and said, “Our findings imply that roughly 2.6 million people would have reported that their plan would no longer be offered due to noncompliance with the ACA.” And in this case, the methodology is made explicit.
In December 2013, the Urban Institute’s quarterly Health Reform Monitoring Survey of adults ages 18-64 included this question: “Did you receive a notice in the past few months from a health insurance company saying that your policy is cancelled or will no longer be offered at the end of 2013?” And of the 522 people polled who were covered by non-group policies, 18.6 percent said yes, their old plan would no longer be offered because it didn’t meet the new coverage standards that went into effect Jan. 1.
And if 14 million people were covered by non-group policies nationwide (as indicated by the National Health Information Survey of the U.S. Centers for Disease Control and Prevention), that percentage translates to 2.6 million non-group policies discontinued, the authors stated.
To be sure, there is always a statistical margin of error in any random-sample poll. Lead author Lisa Clemans-Cope told us in an email that statistically, there is a 95 percent certainty that the true percentage whose non-group policies were discontinued falls somewhere between 16.2 percent and 23.3 percent. That would put the number at anywhere between about 2.3 million and 3.3 million.
That range could be higher or lower depending on what number is used for the total who had non-group coverage in the first place. The Urban Institute authors cite a study published last year that found estimates of the total number of people covered by non-group policies ranged from 9.55 million to 25.3 million. So if 18.6 percent of non-group policyholders got notices that their policies were being dropped because of the new law, as the poll indicates, then the actual number whose plans were dropped could be as low as about 1.8 million or as high as 4.7 million (coincidentally, the same as the AP’s figure), depending on how many had such policies in the first place.
The authors, as noted, picked an estimate that fell in the middle of this range to arrive at their figure of 2.6 million discontinued policies. Until and unless better evidence comes along, that’s the most solidly based figure available.
How many “millions” so far have gained coverage?
The early numbers on enrollment in the exchanges and Medicaid don’t tell us how many of the enrollees were previously uninsured — despite some claims from Democrats to the contrary. The Obama administration disclosed on April 10 that 7.5 million had signed up for plans on the exchanges, but we don’t know how many previously had insurance. The Medicaid rolls increased by more than 3 million through the end of February, the administration also said, a figure that would reflect both those newly eligible under the law and previously eligible but now signing up.
But a survey funded by the Robert Wood Johnson Foundation and conducted by the Urban Institute indicates that many of those signing up for the exchanges and Medicaid may have been uninsured. It found that 5.4 million of the previously uninsured had gained coverage between September and the beginning of March. The exchanges launched Oct. 1.
An April 8 report by the nonprofit RAND Corp. put the figure of newly insured higher. Based on a nationwide poll, Rand estimated that there had been a net gain of 9.3 million insured “adults” as of mid-March, when the poll was being conducted. That includes marketplace and Medicaid enrollment, as well as an increase in employer-based enrollment.
Neither of those figures includes an estimated 3 million young adults who gained coverage in 2010 and 2011, likely because of the law’s provision allowing them to stay on their parents’ policies.
RAND also estimated that 700,000 who previously had individual market plans were now uninsured. The survey didn’t ascertain whether those newly uninsured were due to cancellations or voluntarily dropped coverage.
It will be some time before more concrete coverage numbers are available. The RAND numbers are extrapolated from a survey, and one with sizable margins of error. The estimate of 9.3 million newly insured has a margin of error of 3.5 million people, meaning researchers have a high degree of confidence that the true number would be between 5.8 million and 12.8 million. And the estimate of 700,000 uninsured who previously had individual market plans carries a margin of error of 900,000, putting the likely real number somewhere between zero and 1.6 million people.
Millions more are expected to gain insurance because of the law nationwide in the coming years. The nonpartisan Congressional Budget Office estimates that there will be 25 million fewer uninsured due to the ACA as early as 2016.
Losing Doctors?
The AFP ad also makes the claim that “millions of people can’t see their own doctors,” but there’s no evidence that all those who had individual market policies discontinued ended up not being able to keep their own doctors. Anecdotally, we know of some folks who were able to keep the same doctor on a new insurance policy. But those are only a few individual stories. One of our guiding principles here is the saying, “The plural of anecdote is not data.”
It is true that using a smaller network of providers is one way insurers can reduce premium costs, and there is evidence that insurers are indeed doing that for exchange plans. As Deborah Chollet, a senior fellow at Mathematica Policy Research, a nonpartisan research firm, told us in December: “The narrow-network plans offered by some issuers are intended to (a) maximize negotiating leverage with providers by narrowing their PPOs; and (b) thereby reduce premiums to attract consumers.”
Limited networks have existed for some time, as anyone with an HMO, PPO and the like can attest. There are no available statistics showing whether the plans on the new exchanges have more or less narrow networks than existed in the individual market previously. But, again, insurers certainly are limiting their networks to price their plans competitively.
Karen Pollitz, a senior fellow at the Kaiser Family Foundation, told us: “It’s definitely the case (based on conversations with insurers and with providers) that insurers have decided to limit networks in some instances in order to price their health plans more competitively.” She continued: “It’s also definitely the case that some providers have declined to participate in some of the new health insurance networks, holding out for higher fees from some insurers in return for a promise to participate exclusively in their networks. This is market competition at work — not entirely transparent, unfortunately, so it’s not yet clear what the impact will be on patients.”
– Lori Robertson and Brooks Jackson
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Lance Man

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Too funny....
The Trick-Or-Treaters will be here this week... looking mostly like this.
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Lance Man

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Here's a good site to try your hand at Balancing the Budget. Mine ended up with a 466 billion surplus. If you note, these numbers come from the CBO and the choices are totally up to you. Give it a try. You might find you need to make some choices that hurt some people while helping the greater good. That's what governing is about. You can't make everyone happy all the time.
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Basic Information
November 5
Field Support Lead
  • Cabela's
    Field Support Lead, 2012 - present
  • Family Dollar
    Project Manager, 2011 - 2012
  • Dollar Tree Stores
    Store Display Coordinator, 1999 - 2011
  • OfficeMax, Inc
    Associate Buyer, 1994 - 1999
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Cressona, PA
Ashley, PA - Chambersburg, PA - Harrisburg, PA
Lance Man's +1's are the things they like, agree with, or want to recommend.
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