consumer rights

222 petitions

Update posted 46 minutes ago

Petition to Lamar Alexander, Susan Collins, Lindsey Graham, Rob Portman, Paul Ryan, Donald Trump, Mitch McConnell, Elizabeth Warren, Bernie Sanders, Ted Cruz

Fair Health Insurance For All!

All Americans deserve equal and fair access to affordable health insurance.  Today, the Affordable Care Act (ACA) has enabled more Americans access to insurance than ever before.  In fact, the number of uninsured Americans has dropped more than 6 percent since 2013.  Yet, the House, the Senate and President Trump want to completely replace the ACA or get rid of it (repeal it).  What could that mean for you? If you: Have A Pre-Existing Condition: You may not qualify for insurance or would have to pay a much higher premium. Earn A Lower Income: You may lose Medicaid coverage.  Have A Lapse In Coverage: You may be penalized for the gap in coverage (longer than 2 months). Have Insurance Through Your Employer: Penalties for employer provided coverage may be dropped. They will no longer have to provide insurance. Your out of pocket costs will increase. Are A Senior: You may pay a higher price for insurance. Receive Medicaid or other Subsidies: Funding may be reduced significantly forcing you to pay for those services instead. Completely replacing the ACA is not necessary. We need to keep the good parts and address what needs fixing. When your car has a check engine light on, do you take it the junkyard or do you take it to a repair shop?  It's the same thing here: Take the ACA to the repair shop and not the junkyard. Any solution should simplify and seek to reduce costs while maintaining and increasing benefits. Addressing Health Care Costs: Health insurance costs are still a challenge for many Americans and help is still needed there. Healthcare expenditures were projected to reach $3.2 trillion in 2015 - or about $10,000 per person (Centers for Medicare & Medicaid Services, 2015).  So instead of looking to cut benefits, we must find other ways to cut expenses such as introducing "legitimate pricing" (full cost disclosure), which would result in an annual savings of 33% or $1 trillion.  And that would be a win for everyone. There are many more in "A Health Insurance Roadmap" including terminating employer health insurance ($250 billion savings) and reducing fraud (ranging from $68 billion to $320 billion).  Please sign my petition to ask the Senate for Fair Health Insurance For All! A Health Insurance Roadmap must be followed to provide a baseline of easy to understand and cohesive health insurance for all Americans. Then the next step is simplifying and standardizing all of the different types of health insurance out there.  Details can all be found in A Health Insurance Roadmap. The Senate needs to address these issues: Expansion of Medicare to Everyone: At some point all Americans go on Medicare either through age or disability.  Currently 15% of Americans are on Medicare.  The concept is simple: Medicare Part A is free and in place for most Americans (this includes hospital and facility care).  Under the Emergency Medical Treatment and Labor Act of 1995, all hospitals are required to treat individuals in need of emergency care. Medicare Part B, Preventative Services could be adjusted to match the ACA's Essential Benefits. Part D covers prescription drugs. Part C, Medicare Advantage allows private insurers to offer Medicare Parts A, B & D and is currently at 37% of new enrollees in Medicare and growing. Insurance companies also offer Medicare Supplement Plans.  Medicare is not going to go bankrupt. This is a common fallacy. The 2016 report of Medicare’s trustees finds that Medicare’s Hospital Insurance (HI) trust fund will remain solvent — that is, able to pay 100 percent of the costs of the hospital insurance coverage that Medicare provides — through 2028. Even in 2028, when the HI trust fund is projected for exhaustion, incoming payroll taxes and other revenue will still be sufficient to pay 87 percent of Medicare hospital insurance costs. The share of costs covered by dedicated revenues will decline slowly to 79 percent in 2040 and then rise gradually to 86 percent in 2090. The Medicare hospital insurance program will not run out of all financial resources and cease to operate after 2028, as the “bankruptcy” term may suggest. Medicare Part B & Part D cannot go bankrupt due the way they are funded through premiums and the Supplementary Medical Insurance Trust.   Medicaid Expansion Must Be Continued: Medicaid is the largest insurer with more than 70 million beneficiaries.  And more states are considering expansion (currently 31 states have already expanded Medicaid). A study published in JAMA Internal Medicine in 2016, that looked at survey data for three states and found Medicaid expansion “was associated with significantly increased access to primary care,” as well as “fewer skipped medications due to cost,” among other factors. Pre-Existing Conditions: It is important that no one is left behind because of bad luck.  It is estimated that over 27% of Americans have pre-existing conditions and that 60% have a chronic medical condition.  Why should those with chronic illnesses that occur through no fault of their own be penalized?  My son was diagnosed with Type 1 Diabetes last year at the age of 11. Type 1 Diabetes is an autoimmune virus, which happens randomly and for which there is no known clear cause. Type 1 Diabetes results in the Pancreas ceasing to work and create insulin. It is organ failure. Type 1 Diabetes is a 24/7 chronic illness that requires constant maintenance and expensive supplies. Even with the ACA, life is hard for many people with type 1 Diabetes as insurance companies make it difficult to get devices and supplies that allow them live.  Under the AHCA, anyone with Type 1 Diabetes or other chronic illness or cancer history or heart issues would most likely not ever be able to get health insurance except possibly through an employer.   Please sign your name if you agree that, now more than ever, we must move the senate to introduce a "Fair Health Insurance For All". The Bottom Line: What we are talking about here is beyond a luxury; it is necessity and a quality of life issue. This is neither a game nor a question of political party, this a matter of life and death for real people who are in our lives.  As a community, our collective voices can make a difference. Sign the petition to Senator Lamar Alexander (and other key senators) then share it. Thank you for taking the time to sign this petition to make sure that all Americans including you have Fair Health Care Insurance. We all deserve affordable health care. Check out A Health Insurance Roadmap for the full plan.

Tony Steuer
325 supporters
Update posted 1 week ago

Petition to Universal Records Philippines, Inc., PolyEast Records Corporation

Allow Universal Records and PolyEast Records to be playable on Spotify Philippines

When Spotify launches in the Philippines last April 2014, the way we consume music gradually changes. Because of music streaming, piracy is expected to decrease from time to time. At the time Spotify is now available in the Philippines, all OPM contents were playable especially from Universal Records Philippines (URP) and PolyEast Records. Few days later, all tracks from them are gone. Those are still available on Spotify database but it is unplayable in the Philippines. Which means if you use a US-based, Singapore-based or Malaysia-based Spotify account, those tracks from two local record labels are playable in the specified country. Other local record labels like Star Music, GMA Records, Viva Records and others are still on Spotify until now including their new releases. Blocking contents from URP and PolyEast on Spotify in the Philippines forces and pushes consumers to go back to piracy. Now all, most or some of our favorite OPM tracks from Parokya ni Edgar, Kamikazee, Sponge Cola, Sam Concepcion, Callalily, Karylle, Kyla, TJ Monterde and others are unplayable in the Philippines. Although there are some contents from URP and PolyEast are playable such as Bamboo's Bless This Mess, Gary Valenciano's Gold and Rico Blanco's Dating Gawi but this is not enough for consumers to be happy with them. Some artists encourage us to use Spinnr, Deezer and Apple Music to stream URP and PolyEast contents but this is not enough for us to use the alternative one. Some users still prefer Spotify because of the user-friendly features and its curated playlist for every mood. All streaming sites pass to the licensing agreement first before making it available to users for listening. Some of them are refused to make it available in some countries, yet some consumers are working for it for fellow consumers to make it available in some countries as well. Removing the restriction from blocking contents from streaming on Spotify in the Philippines will not work solely by me. Complaining to URP and PolyEast about Spotify content availability by myself will not work. They will snub it. In short, "seen-zoned". We need your cooperation. By simply sharing this petition to fellow OPM fans especially who uses Spotify, they will listen to us. Tag their social media accounts especially from artists who has been signed on that respective labels until this petition will be spread like a virus. If URP and PolyEast listen to us but still refuses this request, they must release their respective official statement why they don't allow their artists to stream their contents to Philippine users and only to other countries where Spotify is available. Whether they will allow it for not, I would like to thanks all of you for your cooperation and understanding about this petition. If you have any questions and concerns about this petition, please send me an email to dxedsuckit(at)gmail(dot)com. Your comments and feedbacks are highly appreciated on that, whether you are for or against this petition.

Ian Salazar
42 supporters
Update posted 1 month ago

Petition to Elizabeth Warren, National Association of Insurance Commissioners

Enact the Insurance Bill of Rights

Insurance in one form or another is a part of everyone's life.  This petition will help establish clear guidelines for the insurance community on communication, customer service and paying claims. If you feel that: A code of conduct is needed for the Insurance Industry like the Hippocratic Oath for Physicians; Insurance is complicated and insurance products should be easier to understand; Insurance Companies should provide a higher level of customer service with the goal of providing solutions; That Insurance Agents & Brokers & Online Services should act on behalf of the Consumer and provide insurance products that fit a plan; Then sign this petition to support the Insurance Bill of Rights which would help to ensure that consumers have a better understanding of their insurance coverage and that agents and insurance companies have a set of clear guidelines in presenting and managing insurance policies. Insurance premiums can oftentimes be the average American household's largest monthly expense even exceeding housing costs when you consider all insurance premiums: Auto, Home, Health, Life, Disability, Long Term Care and other coverages.  According to the Bureau of Labor Statistics Consumer Expenditure Survey, 2014, insurance premiums are fifth behind housing, transport, food & beverage and pensions. It's a lot of money spent for increasingly more complicated financial vehicles. Insurance at it's core is a simple concept, yet it's undergone an evolution where it's no longer always a simple to understand product. With this complexity has come a greater amount of consumers having the wrong type of coverage, paying premiums for coverage they don't need and not having coverage that they do need. This can also make it easier for consumers to be taken advantage of. In my 30 years in the industry, I have seen many times instances where people suffer from not having the right coverage when a claim is made, to having coverage that they don't need and to being sold coverage that is harmful. Your support of The Insurance Bill of Rights will help Consumers to maximize their insurance coverage, minimize their premiums and to understand what they own. It would also help the Insurance Companies and Agents by having educated customers. Thank you for your consideration. The Insurance Bill of Rights: The Right to Have the Agent Act in Your Best Interest The Right to Receive Customized Coverage Appropriate to Your Needs The Right To Free Choice The Right to Receive an Answer to Any Question The Right to Pay a Fair Premium The Right to Be Informed The Right to be Treated Fairly and Respectfully The Right to Full Disclosure and Updates The Right to Quality Service and Fair Handling of Claims The Right to Change or Cancel Your Coverage and Be Notified of Any Change View an expanded version and learn more at  Prepared by Tony Steuer, CLU, LA Insurance Literacy Advocate, Founder of The Insurance Literacy Institute, Creator of The Insurance Bill of Rights and Author of The Questions and Answers on Insurance Book Series.    All rights reserved

Tony Steuer
110 supporters