Fact sheet regarding the Affordable Care Act, outlining benefits the uninsured can expect

The U.S. Supreme Court Justices from left to right on front row: Associate Justices Clarence Thomas, Antonin Scalia, Chief Justice John Roberts (center), Associate Justices Anthony Kennedy, Ruth Bader Gingsburg; standing in rear from left to right: Associate Justices Sonia Sotomayor, Stephen Breyer, Samuel Alito, Jr. and Elena Kagan.

The Supreme Court’s decision on the Patients Protection and Affordable Care Act came down to a vote of 5 to 4, with Justice John Roberts breaking from conservative justices. The media, Republicans and pundits seemed to forget that the justices--all of whom were called “activist justices” by the Bush administration--are sitting on the bench to adhere to the rule of law. The Justices job is not to make popular or political decisions, but to base their rulings strictly on the lawfulness of the U.S. Constitution. They are not elected to office; therefore, they do not have to worry about being popular with a critical populace.

And yet, that hasn't stopped conservatives from calling Justice Roberts a "traitor" who  committed  "treason" against the United States for ruling in favor of the Affordable Care Act. Angry conservatives, media and pundits accused him of ignoring the Constitution to give President Obama a victory. Never mind that uninsured Americans are the true winners.

Mitch McConnell (R-Kentucky) said the uninsured "is not the issue." This is the same political miscreant who vowed to make President Obama a one term president.

Know-it-alls got it wrong from day one when newspapers began speculating which direction the Justices would go. They all said conservative Justices would break the legs of the bill, making sure it cannot stand on its own power. But the bill wound up standing tall. But the media and pundits cannot let go, neither can critics, who are questioning the mental health of Chief Justice John Roberts for not siding with his colleagues. 

The media and pundits, all of whom are against "The Patients Protection and Affordable Care Act", refuse to report the benefits the Act will offer, which will kick into full effect in 2014.  They insist that the majority of “American people” do not want affordable health care! They push slanted polls that suggest the majority of "American people" do not want the health insurance "forced on them" by the government. 

The media and pundits refuse to clearly explain that health care reform levels the playing field for millions of uninsured men, women, children and disabled citizens who have been discriminated against because of pre-existing conditions.  As it stands, pregnancy and being female are pre-existing conditions. Insurance companies can legally deny women and African Americans coverage or charge them a higher rate than White males. Women and African Americans have no way to protect themselves from insurers that discriminate against them.

As expected, Republican governors have geared up to deny their constituents affordable health care insurance, despite of it being paid for by the government the first three years. Thereafter, the government will pay a small percentage of the bill, leaving it up to people to pick the plan they can afford. The fact was not hidden from those wanting to participate in health care insurance.

The most vocal Republican governors--Rick Scott of Florida, Bobby Jindal of Louisiana, and Scott Walker of Wisconsin-- have declared that they absolutely will not cooperate. In Texas, my home state, where 25 percent (or 6.2 million) of its citizens are uninsured, Gov. Rick Perry said he will not allow the plan to take root in Texas. Brushing aside the big boy boasting, I am sure these governors will find a way to scam “big government” out of a share of the millions of dollars cooperating states will receive.

The Patient Protection and Affordable Care Act

The Supreme Court's decision to uphold the Affordable Care Act ensures hard-working, middle class families will get the security they deserve and protects every American from the worst insurance company abuses.  This law was also specifically designed to give States the resources and flexibility they need to tailor their approach to their unique needs.  With the uncertainty about the Court’s decision behind us, it’s now time to focus on implementing this law in a smart and non-bureaucratic way that works for the middle class.

Benefits and Protections for the Middle Class: The Affordable Care Act includes numerous provisions to keep health care costs low, promote prevention, and hold insurance companies accountable.  If you’re one of the 250 million Americans who already have health care--whether through private insurance, Medicare, or Medicaid --the Affordable Care Act is already making your coverage more secure.

Insurance companies no longer have unchecked power to cancel your policy, deny your child coverage due to a pre-existing condition, or charge women more than men. Over 86 million Americans have gained from coverage of preventive care free of charge, like mammograms for women and wellness visits for seniors.

    

Nearly 13 million Americans will receive a rebate this summer because their insurance company spent too much of their premium dollars on administrative costs or CEO bonuses. The law has already helped 5.3 million seniors and people with disabilities save an average of over $600 on prescription drugs in the “donut hole” in Medicare coverage.

The law’s provisions to strengthen and protect Medicare by fighting fraud will continue. The law has helped 6.6 million young adults who have been able to stay on their parents’ plans until the age of 26, including 3.1 million young people who are newly insured.

If you are one of the 30 million Americans who don’t yet have health insurance, starting in 2014 this law will offer you an array of quality, affordable, private health insurance plans to choose from.  If you need care, you will finally have the same opportunity to get quality, affordable coverage as everyone else.

Coverage for Americans with Pre-Existing Conditions: A major impact of the Court's decision is that 129 million people with pre-existing conditions will have the security of affordable health coverage.  Starting in 2014, insurance companies can no longer charge you more, carve out benefits, or deny you coverage altogether because you have cancer or diabetes or simply because you are a woman.  To make these protections affordable, people with and without pre-existing conditions should be insured, since everyone at some time needs health care.

Tax Credits for Middle Class Families and Small Businesses: Millions of Americans will soon be eligible for tax credits to ensure that their health insurance is affordable. Under today’s ruling, having health insurance is and will continue to be a choice.  If you can’t afford insurance or you’re a small business that wants to provide affordable insurance to your employees, you’ll get tax credits that make coverage affordable.  

But starting in 2014, if you can afford insurance and you choose not to purchase it, the taxpayers will no longer subsidize your care for free.  The Court’s ruling today allows Congress to hold the projected 1% of Americans who will be able to afford health insurance but will choose not to buy it responsible for that choice.  Many small businesses are already receiving tax credits so they can afford to offer quality health care to their employees.  To date, 360,000 businesses that employ 2 million workers have already benefited from the small business tax cuts in the law.  And once the Affordable Care Act takes full effect, about 18 million individuals and families will get tax credits for health insurance coverage averaging about $4,000 apiece.

Support for State Implementation of Affordable Insurance Exchanges: With the uncertainty of the Court decision behind us, we will step up our work with States to implement Affordable Insurance Exchanges. Exchanges are new marketplaces, starting in 2014, that will allow individuals and small businesses to compare and choose private health plans.  Each State will take the lead in designing its own menu of options.  Already, 34 States including the District of Columbia have received 100 percent Federally funded grants to build Exchanges. The use of Exchange grants includes support for activities related to running Exchanges in their start-up year.

States can also implement their own brand of reform through Innovation Waivers starting in 2017.  If States can come up with even better ways of covering people at the same quality and low cost, this law allows them to do so.  The Administration supports bipartisan legislation to allow States to start such Waivers in 2014.

***This article was first published on my blog in 2012.

Maudy Whitt, a woman alone but not lonely

A shorty story 

by Dorothy Charles Banks

Maudy Whitt is as stubborn as the devil is in hell. But I like her.  She is talkative, adventurous and a loner. She carries a “cutting knife” tucked away in her small bosom. I wouldn’t be surprised if she had a gun hidden on her somewhere. Laughing, more to herself than with me, Maudy said she only "packs a sharp knife. Used to pack a razor."

“My poppa taught all his children how to use a knife. My oldest brother can turn a man to a sifter before he knowed he been cut. I seen him do it. We don’t bother nobody, but we ain’t gonna let nobody bother us neither.”

Maudy, the liberator of her own soul long before the women’s liberation movement, expresses herself as colorfully as the ribbons in her hair. She says she does not mind ‘cutting a fool. I’ll cut a woman just as hard as I does a man. It's some tough talking, rough women out there. They'll cut a man or woman to pieces just as fast as they'll look at'em.”

Maudy does not believe in female helplessness. “It ain’t nothing but a show.” She says a woman can do whatever she wants to as well as any man. A woman got to make up her mind to do it. I never seen my mama back off nothing she had to do. That's one reason I packs a knife, and a mouth of bad words for anybody who think they gone treat me wrong. I ain’t letting no man knock me around. Not me. No sir. Not me. I never seen my poppa raise his hand to my mama. He knowed better. Mama took a frying pan to his head like greased lightening. He had a couple of knots, maybe three or four, on his head. He didn't try that no more.

“I think a man is a coward if he hits a woman. Real men don't hit women. Enough of that talk. You look the same as when I first met you two years ago.”

“I’m the same Maudy Whitt every time you sees me. No reason to change today. Ain’t no reason to change tomorrow. I leaves that to the weather. Don’t believe in flipping my ways. Folks don’t know how you gone act from one minute to the next.” 

Maudy told me that first time I met her. She was sitting at a bus stop, watching people watch her. We had talked to each other so openly and honestly, I felt like I had known her all my life.

I was impressed with her upbeat personality; her refusal to stay in anyone’s company who accepts depression and ineptitude as a way of life. She said back then, “If you ain’t cripple, you don’t need no crutches. If you crazy you need to be locked up in a nut house. If you broke you need to find a job.”

Maudy says depression is only a word waiting for somebody to pick it up. "People latch onto that mess for some kind of comfort.  Depression don't go round hooking itself to folk who don't want it. I don't want nothing to do with it. Ain't never been down in my mind a day in my life."

Some people looked at Maudy and immediately decided she’s homeless. That was my first impression, despite her being cleanly dressed. She was not panhandling. She asked me what time it was, and that’s how we began to talk.  “I can read and write some. No much. I know peoples with plenty education and they don’t seem to be doing no better than me, money wise. I don’t understand it. Don’t make good sense.”

Everywhere Maudy goes, she has two large pillow cases, sometimes two large shopping bags filled with everything she owns. “I travels light. When I eat my whole family done ate.” She carries in her mind, memories of her travels, the people she’s met.

Maudy won’t talk much about her family. She told me what she wanted me to know then said she was through with that part of her life.  Once in a while she broke her own rule. I learned quickly not to push her. About her age, she says: “I was roun' two years old when Noah was fetching animals for his Ark. My mama says we was neighbors,” she laughed.

Maudy is good at telling jokes. Dirty jokes. Few clean ones. She says if you can’t make people smile saying something nice, tell them a dirty joke.

“That’ll get they attention. Most everybody likes a dirty joke. Women folk, too. Don’t let no woman tell you she don‘t listen to’em cause she do. Even them stuck-up ones who think butter wont' melt in they mouths. I seen some of'em do some things worse than a dirty joke.”

Maudy says people laugh at her when she walks down the street, her whole life tucked under her arms. “I look straight in they eyes and throw they laughing right back at’em. Don’t never let peoples see they can get the best of you. They’ll ride your backside till you can’t stand straight. I don’t have to ask nobody for one thin dime. I don’t have to lay in nobody’s bed to sleep. I don't have to turn no tricks out here for a couple of dollars so I can eat. I don’t mind taking day work to keep money in my pocket. I can sleep in the house or outdoors. Don’t matter.”

A native of Oklahoma, Maudy’s salt and pepper hair, that hangs to the center of her back, is always adorned with colorful strips of ribbon intertwined into her long braid. The color offset her caramel complexion that still has a glow. Her small feet are housed in Indian moccasins and socks, sometimes matching, sometimes not.

 “My mama was half Indian. I don’t what tribe. She didn’t talk bout’em. I got some Indian in me, too. You can probably tell. We all of in the family got these cheeks. Peoples tell me all the time they likes my high cheeks. They just cheeks to me.”

It had been a number of months since I last seen Maudy. I had been thinking about her, wondering if she was alright or still alive. One Sunday afternoon some friends and I were picnicking in City Park. To my surprise, Maudy walked up, frisky and talkative as ever.

“How y’all doing this fine Sunday afternoon?” she asked. “It’s a mighty good day to be alive. A mighty good day.”

“We’re doing okay,” the five of us said in unison.

“That’s good.” She sat her bags on the ground. “Y’all  young folk don't mind if I sit for a spell, does you?  I already walked five miles today if I walked one." Smiling, Maudy fanned her face with a frayed fan bearing a picture of Jesus.

"You want a beer or a soda, Miss Maudy?" Jerry asked, pushing both towards her.

“I’ll take the soda water, son. Too hot for a old woman to be drinking alcohol. I don’t want to fall out on the streets. Thank you anyhow.”

"You're welcome."

“Y’all celebrating? Ain’t no holiday is it? I don’t keep up with’em much. Once in a blue moon I celebrates Thanksgiving and Christmas. Everyday I live is Christmas and Thanksgiving to me.”

"We're having a picnic. Nothing special," I said.

"Come on everybody! Let's play ball!" Fred said.  "You too, Miss Maudy," he invited.

“I'm staying to talk to Miss Whitt," I told them. “I’ll see y’all later.”

“Shucks, honey. Go on and play ball with your friends. You don’t have to sit here with me. Soon as I kill this bottle of soda water, I’ll be moving on. I can keep myself company. Go on and have some fun with your friends,” she urged me.

“I’d rather sit and talk to you. I haven’t seen you in a long time. I can play ball with them anytime. Besides, it’s too hot to play ball.”

“Know what you mean.  Thought I was gone faint before I got somewhere to sit. This  is the hottest summer I seen in a pretty good spell.”

"It'll probably get cooler later this afternoon. Where have you been? I haven’t seen you in while."

“Just got back from out West Texas. Show is hot and dusty out there. White people still don’t want colored people to come in they cafes. The more things change, the more they stay the same. My mama was right bout that.  Just before I come back here, a colored man got kicked in the tail on account he went in a White folks' cafe. They said he caused trouble. He was with a White woman. Reckon that the trouble he caused. Them White folk didn’t like it. All they wanted to do was eat. They looked like they was pretty hungry. 

"That colored man no more got it out his mouth before the owner kicked him and her out the door. Told'em not to come back less they wanted to wash dishes or sweep the floor. That White man knowed the colored man wasn’t gone call the law. They stick together out there. The colored cook that works there told me 'bout it. He a friend of mine. Shucks! He gotta eat in the kitchen! He can't even take his family there to eat with them White folk. I thought a law was passed where Negroes can eat where they wants to.”

“Desegregation was supposed to stop discrimination. Guess it hasn't. That was a terrible thing to happen to that man. People should be able to go where they want without getting kicked out of a business,” I said. “That’s why Martin Luther King led the civil rights marches.”

“I been round white folk long enough to know it's hard for’em to drop they old ways. I found some days work while I was out there. One of the White womens I worked for wanted to give me some clothes she didn’t want. I told her to giv’em to some poor White peoples. I said it in a nice way. You know what that cow called me? A uppity nigger! I told her to go straight to hell, and take them her old clothes with her. I didn’t go to her house begging for a hand-out. I was looking for work. I seen’em treat they dogs better than they treat they colored peoples.  Them old clothes she was trying to give me was too big anyhow. Fat cow!”

“I guess she didn’t see that you are a small woman."

“Reckon she didn’t. Anyhow I told her in the front so she won’t stick out behind! Sho’ did! Treating me like I'm a beggar!"

We laughed.

"How many cities have you been to, Miss Whitt. I’ve never been out of Texas.”

“I been bout everywhere you can go on a Greyhound bus. Rode a train a few times. You won’t see me getting in no airplane to go nowheres! I don’t never get in that big a hurry. Been thinking about going back to California or New York. I got some kin folks in both them places.”

“I envy you. I wish I had the nerve to travel like you. I’m scared to pack up and leave home. I want to know everything is going to be safe when I get where I’m going.”

“You can go if you wants to bad enough. You ain’t got but one life. Best thing to do is pack and go. Don’t sit round til you too old. If you do you’ll die thinking the world stopped you, when you stopped yourself. Let too much grass grow under your feet, you might start thinking you a tree. That’s the reason I stay on the move. I love my life. It ain’t much but it’s mine.”

“All of my friends are here. I don’t want to leave them.”

“I meet new folk all the time,” Maudy said, reaching for her purse, pulling out a wad of chewing tobacco. “I ain’t gonna offer you no chew. Young people today don’t chew tobacco. Been chewing since I was a young girl.”

“My mother caught me dipping snuff when I was younger. She almost beat me senseless. It made me dizzy and sick. After that, I swore I’d never dip snuff again.”

“You gotta get used to it. I dips and chew. Neither one don’t make me no difference.”

"No more for me. I don’t even smoke cigarettes."

“Does you smoke them funny smelling kind?”

“Miss Whitt, shame on you ! Why would you think that?” I asked, laughing.

“Just thinking out loud,” she said, a twinkle in her eyes. “When I was younger I tried it a couple times. Didn’t like it. Don't like alcohol either.”

“That’s a surprise,” I said, glad she answered the question before I asked.

“You hear about that fella what kilt hisself last week? Killing yourself is a sin. I read in the paper he was in love with this cheating gal, and they was to get married. She call if off cause she been sneaking round with his best friend. Goes to show you can’t trust n body. Not even your best friend.”

"I hate to think I can't trust my girlfriends. I don’t think my girlfriends would do that to me. They trust me. I trust them."

“I was in love one time. He was in the war. He hadn’t been gone long before he come up missing in action. His mama come to my house to tell me the news after the Army told her. I cried and carried on till I couldn’t squeeze another tear out my eyes. We was gone get married soon as the war was over. Loving somebody else didn’t cross my mind after that. Hurt too much to love somebody and then lose him.”

I turned my head so Maudy could wipe away the tears forming in her eyes. “I better get myself on where I’m going before I make a fool out myself, telling you all my business. Hope it don't be too long before I sees you again."

"Me too,” I said. I worry about you when I don’t see you. I enjoy talking to you.”

Picking up her bags, Maudy Whitt was ready to go. “ That’s mighty good to hear.  Somebody in the world worrying bout me.  Thank you for the soda water. It hit the spot. I enjoyed talking to you. You learn to live and stop worrying. Don't be no tree. I know you heard this before, but ain’t nothing coming to a dreamer but a dream you might not want.”

“You’re right, Miss Maudy.  That’s something to think about. You be careful and take care of yourself. Who knows what might happen in  the future."

“You got to make your own future. That’s the only way I’ll live a long time. And I intend to be around for a long time!”

I hugged her. She looked startled. “I don’t get too many hugs,” she said, smiling.

“Good. That means my hug is special.” Still smiling, she walked toward downtown, where I first met her. Miss Maudy Whitt was a rose, but she wasn’t looking for perfection.