Smoking, high cholesterol keeps President in high-risk pool; his coverage terminated to protect low-risk members
President Barack Obama received notice on Friday that he was being dropped from the Optima-Choice PPO health plan retained by fellow employees at the White House due to a number of high-risk factors revealed in a recent screening at a Capitol Hill health fair, including tobacco-use and high cholesterol readings.
“This is exactly the kind of abuse by insurers to policyholders that I’ve been talking about,” stated the President after reading the formal notice mailed to him by Optima, informing him of his coverage termination. “Now what am I supposed to do? And they didn’t even spell my name right on the letter!”
White House Human Resources director Janet Melton was sympathetic to the President’s plight, but could offer no reasonable alternatives. “If Mr. Obama quit the cigarettes 6 months before the health screenings, like I suggested, and cut out the fatty red meats, he would not be in this situation right now.” Melton did concur that the president’s name had indeed been misspelled on the notice from Optima.
“Now I’m going to have to get on the phone Monday to try to find some decent health insurance,” the President said, flipping the letter over several times to make sure there was nothing on the back of it to contra-indicate the language on the front. “And this termination is going to make it twice as expensive – plus my pre-existing conditions are going to price me in the sub-standard bracket, or whatever they call it. This is a disaster.”
Optima spokesman Wayne Ball was also sympathetic to the President, citing that the decision was made to terminate Obama’s coverage based on statements made by him and the results of the screening. “The President never revealed on his original application last year that he was a smoker,” Ball said in a phone interview, “Plus his experience will adversely affect the risk-pool, driving up everyone’s rate. He was adamant when elected that no one group be singled out for increases by the health of one of the members, so rather than raise the rates of the entire group we terminated the coverage of the one.”
“We were only doing what the President told us to do.” Ball did, however, say that Optima would note the name change in their database and mail a correction.
Obama vehemently disagreed with Optima’s explanation. “I never said that, or I never meant it that way,” he sputtered, “If I switch carriers or buy it direct instead of through payroll, my premiums will double, and that is unsustainable.” The president also said he got on the phone to Optima and “was put through an interactive voice response hell”, being shuffled through numerous options until he finally got cut off without speaking to a real person.
The major medical fiasco was the second insurance-related boondoggle to hit Obama last week. He sustained a major increase on a 10-year term life policy that came up for renewal. “They renewed me as a smoker, which tripled the premium,” he whined, “Now I’m going to pay $122 per month for a $25,000 life policy. That’s just crazy.”
Obama says that he is going to postpone a trip to Asia until after he gets this health insurance problem fixed. “I saw a business card up inside a Wa-Wa station in Springfield from a guy who claims to offer guaranteed coverage discount health insurance, for about $40 a month. Guess I’ll go by and get one then give him a call.”
“I tell you what, Pelosi and Reid better get their acts together on this health care bill,” Obama said, jutting a finger for emphasis, “because I have to have an abscess removed soon and I’ll be darned if I’m going to pay out of pocket.”
When told that his admission of the pre-existing condition would prevent any carrier from paying for it, he cursed in anger and smacked his fist on his desk. “Shutup, Barack, shutup!” he shouted.