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Archive for the ‘Health Care’ Category

Medical Marijuana and Job Loss

(CNN) — When a rare form of cancer invaded Joseph Casias’ nasal cavity and his brain, his doctor prescribed marijuana to help alleviate the daily pain.

Casias lives in Michigan, where medical marijuana is legal.

But his employer, Wal-Mart, the nation’s largest retailer, fired him in November 2009 after he failed a drug test.

Casias, 29, says he never came to work high. He’s got a medical marijuana card to prove he’s allowed to smoke legally in the state.

“I was angry they did this to me because I always tried my best,” said Casias, who was employed at Wal-Mart for five years. He earned an Associate of the Year award in 2008. “I want my job back. I thought I was part of the Wal-Mart family.”

To date, 14 states have laws allowing the use of medical marijuana, which shield legal users from criminalization but don’t protect them from them penalties enforced by their employers. As more people are being prescribed marijuana across the nation, they are wrestling with a caveat: They could be fired.

Michigan is an at-will employment state, which means employers can terminate a worker for any reason except for being in a federally protected class such as race, gender and religion.

But medical marijuana users are not considered a protected group. If a company has zero-tolerance drug policies, then they can fire someone who uses medical marijuana, attorneys say. Labor law experts say most states operate this way, unless the employee has a specific employment contract that makes exceptions for medical marijuana use.

In 2008, the California Supreme Court backed up employers, ruling a private company could fire an Air Force veteran whose doctor prescribed him marijuana for his chronic and disabling back pain. The veteran was hired by a telecommunications company but fired several weeks after he tested positive for marijuana. The landmark case has many medical marijuana users fretting about their employment prospects, legal experts say.

But Michigan may be an exception to most states. Part of Michigan’s law, passed in 2008, does address employers, saying a patient carrying a medical marijuana card cannot be “denied any right or privilege” by a “business or occupational or professional licensing board.”

Some attorneys say Michigan’s law could be fertile grounds for a discrimination suit. Casias hasn’t decided whether he will pursue a lawsuit.

Cobra Subsidies are Expiring for the Unemployed

Millions of unemployed Americans face the prospect of a huge increase in health insurance costs, thanks to the looming expiration of a government subsidy.

The American Recovery and Reinvestment Act, passed in February, launched a temporary government program to subsidize the often crippling cost of buying health insurance through a former employer’s plan after a layoff.

However, the so-called COBRA subsidy was designed to last no more than nine months for each person who was unemployed. Hundreds of thousands who got this subsidy when it was first made available in March are slated to roll off the program today.

The insurance subsidy will also no longer be available for Americans who lose their jobs starting today.

If the subsidy is not extended, hundreds of thousands will lose the subsidy each month, forcing them to pay health insurance premiums that are three times higher than what they’re currently paying.

Medical Bills Bankrupt Many Americans

WEST PALM BEACH, Florida (CNN) — Leslie Elder’s eyelids fluttered open, and through the fog of pain medication, she saw the emergency room doctors pull back the curtain in her room.

Leslie and Jim Elder

She could tell that the news was bad.

“They didn’t have to say a word. I knew from their faces that something wasn’t right,” said Elder, 60, who hours earlier had stumbled into the ER with a stabbing pain in her abdomen. “Then one doctor said, ‘Your right kidney … it’s breaking apart. You have a tumor … and you also have a tumor in your left kidney.’ ”

The words “You have a tumor” were not new to Elder; her grim financial situation was.

Elder had cancer twice before — in 1988, doctors found a tumor in her right breast, and in 2001, they found one in her left breast — except back then, she was insured. By the time she learned that she had kidney cancer in September 2005, she was uninsured.

“All I could think of was ‘Oh, my god, I’m going to go broke. We’ll be living in a cardboard house,’ ” Elder said. ” ‘How am I going to do this?’ It was the most honest feeling of powerlessness.”

Elder and her husband, Jim, say their health insurance carrier, Nationwide Insurance, forced them into an impossible situation by raising the rates on their policy over several years. Eventually, they were forced to cancel.

The Elders are broke and on the cusp of bankruptcy because of medical bills, and they’re not alone. A study published in the June issue of the American Journal of Medicine found that in 2007, 62 percent of personal bankruptcies were because of medical debts. The same study indicated that in 1981, only 8 percent of bankruptcy filings could be traced to medical bills.

The Elders boil it down to health insurance companies putting profits ahead of human life.

The Elders did not always have such a contentious relationship with their health insurance carrier, and they were not always broke. In fact, before their insurance troubles, they were solidly middle-class business owners.

However, in 1988, things began changing. It was the year of Elder’s first breast cancer diagnosis. When the family’s plan required payment of a $250 deductible and a 20 percent share of the costs of medical care, the Elders could afford it.

Years after that first diagnosis, things started getting shaky. Jim Elder says the premiums crept up slowly at first and then more dramatically.

“You do ask why, why, why,” Jim Elder said. “Why are we stuck with all these huge bills when we’re supposedly covered?”

Dead Peasant Insurance?

See for yourself how Corporate America feels about the working class.

Health Insurance Scam

WellPoint health insurance company, which has encouraged its employees to lobby against health care reform, is now cutting their benefits.

The insurance giant plans to raise deductibles and premiums for some of its employee health benefits. “Your cost per paycheck will probably increase,” said a memo to Wellpoint employees that was obtained by Bloomberg News.

The company blamed the recession for the cuts. “Like many employers in today’s economic environment, we are looking at all aspects of our business,” including benefits, “and making adjustments to ensure we can continue to operate competitively in the future,” wrote Chief Human Resources Officer Randy Brown.

WellPoint’s CEO, Angela Braly, made nearly $10 million in 2008.

A House investigation found that WellPoint also rewarded employees for finding ways to drop policyholders who developed expensive conditions — a practice known as rescission.