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EmilyGorcenski's profile
Emily G
Emily G
Emily G
Verified account
@EmilyGorcenski

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Emily GVerified account

@EmilyGorcenski

Lead Data Scientist, activist, survivor. Was actually assaulted by an actual right-wing terrorist. Opinions belong only to me, especially the bad ones. she/they

Deep Space Nine
emilygorcenski.com
Joined June 2013

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    1. Emily G‏Verified account @EmilyGorcenski Jun 11

      The Dark Horse Comics drama is so intriguing to me. I'm not defending them. But I get the impression y'all have NO IDEA how common blanket trans exclusions are in small group plans.

      3 replies 21 retweets 86 likes
      Show this thread
    2. Emily G‏Verified account @EmilyGorcenski Jun 11

      Dark Horse is doing nothing different than any of probably 20,000+ other small businesses in the US. What we should be talking about are the 1000+ employee companies who have such prohibitions.

      3 replies 8 retweets 37 likes
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    3. Emily G‏Verified account @EmilyGorcenski Jun 11

      I can't speak for Dark Horse's insurance broker, but here's how it worked when I worked for a 30-person firm who self-insured.

      2 replies 0 retweets 27 likes
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    4. Emily G‏Verified account @EmilyGorcenski Jun 11

      Companies of that size don't have the scale issues that make insurance work really great. One employee getting sick can cause a lot of cost. So insurance companies offer small group plans tailored to small businesses.

      1 reply 0 retweets 26 likes
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    5. Emily G‏Verified account @EmilyGorcenski Jun 11

      These plans often have coverage restrictions that kind of "smooth out" the bumps in risk models for groups that size. They necessarily include many exclusions. This is why we need single payer. A firm of 30 isn't big enough to smooth out the bumps enough.

      3 replies 4 retweets 45 likes
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    6. Emily G‏Verified account @EmilyGorcenski Jun 11

      Trans people are 1% of the population. If one trans person joins a company of 30, that company has ~3x trans overrepresentation compared to population average. This fucks up the risk model a lot. Almost all small group plans therefore have trans exclusions. This is fucked up.

      3 replies 13 retweets 55 likes
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      Emily G‏Verified account @EmilyGorcenski Jun 11

      It's fucked up because trans healthcare isn't really that costly. And it's fucked up because trans people have a right to medical coverage. But this is a story that is common across 20,000+ small businesses in the US. Why are we going after one business, but not the system?

      5:50 AM - 11 Jun 2018
      • 14 Retweets
      • 72 Likes
      • D Woo ᵉᵐᵐʸ Mary Cyn Johnny Caligula Laurence Berland Heather Valerie Woody Benjamin Kissell🦄🏳️‍🌈 should be writing Emily Dolson
      3 replies 14 retweets 72 likes
        1. New conversation
        2. (((Jay Edidin)))  🔜 VVCBF‏ @RaeBeta Jun 11
          Replying to @EmilyGorcenski

          Hi. OP here. I've been going after and writing about that system nonstop for *years* while sitting on my own former employer's (and ex's current employer) shit out of fear of retaliation. Seeing them presenting themselves *again* as LGBT-friendly this June kinda hit a wall.

          1 reply 0 retweets 3 likes
        3. (((Jay Edidin)))  🔜 VVCBF‏ @RaeBeta Jun 11
          Replying to @RaeBeta @EmilyGorcenski

          And because in this case it's a company that goes out of its way to spin itself as LGBT-friendly; and because I have documentation of attempts to get them to change the policy and the fucked up excuses they made.

          1 reply 0 retweets 2 likes
        4. (((Jay Edidin)))  🔜 VVCBF‏ @RaeBeta Jun 11
          Replying to @RaeBeta @EmilyGorcenski

          I've written for years about the exceptions; about ERISA; about all of that. And what I've learned is that sometimes traction takes putting a face on it. Also, I'm angry and sad and tired of sitting on my hands WRT my own abusive ex-employer while exposing other people's.

          1 reply 0 retweets 3 likes
        5. (((Jay Edidin)))  🔜 VVCBF‏ @RaeBeta Jun 11
          Replying to @RaeBeta @EmilyGorcenski

          Sorry.

          0 replies 0 retweets 1 like
        6. End of conversation
        1. Jai-Dee‏ @aenonn Jun 11
          Replying to @EmilyGorcenski

          I have worked for a insurer. One way cost is 'balanced': While each small company is priced based on the usual metrics, the insurer treats ALL the small companies as a 'cost averaged pool.' Of course, once one small company 'pops' the average, the price goes up for them.

          0 replies 0 retweets 0 likes
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        1. kate_dc‏ @kate_dc Jun 11
          Replying to @EmilyGorcenski

          The intention of ACA is to help with this - friends in a small business don’t have to broker for small business plans, any more; the business subsidizes their market plans. Is there any reason Dark Horse can’t use that model?

          0 replies 0 retweets 0 likes
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