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RE: Health law kicks into 2nd gear; does it help me? - 9/23/2010 8:03:28 AM   
Aylee


Posts: 24103
Joined: 10/14/2007
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quote:

ORIGINAL: rulemylife

quote:

ORIGINAL: Aylee

quote:

ORIGINAL: Lucylastic

Anything that takes money/power/ from the insurance companies, who lets face it are scum suckers who produce nothing except feeelings of disgust. If its better for anyone who cannot afford medical care , then I will be happy..Its a long way to go, but perfection takes practise.


Explain what is wrong with the health insurance companies.  We have them for Auto and Death.  What makes these people wrong?


What makes them wrong is the emphasis on profit rather than the welfare of the people they insure.

How many times do we need to hear of these companies cutting off benefits and denying treatments before we realize that we are talking about peoples lives, not some commodity that should go to the highest bidder.



A company in it for profit.  Yep, that is pretty horrible.

quote:

Denying the coverage of a new born because its on the 95th percentile according to growth charts, for starters.



An insurance company is in the business of risk assessment.  High risk anyone gets denied.  95th percentile is two sigma's out. 

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Profile   Post #: 21
RE: Health law kicks into 2nd gear; does it help me? - 9/23/2010 8:10:41 AM   
Louve00


Posts: 1674
Joined: 2/1/2009
Status: offline 		What on earth is the sense of buying health insurance if when you need it, or you get sick, instead of that policy kicking in for what you bought it for,  you, the buyer, become a risk?? 

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For the great majority of mankind are satisfied with appearance, as though they were realities and are often more influenced by the things that seem than by those that are. - Niccolo Machiavelli

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RE: Health law kicks into 2nd gear; does it help me? - 9/23/2010 8:33:14 AM   
DomKen


Posts: 19457
Joined: 7/4/2004
From: Chicago, IL
Status: offline 		Here in a nutshell is what is wrong with health insurance.

Yesterday my company got a notice that our plan was dropping us. After a while on the phone it became clear that this was a way to avoid being on the hook for the costs of my dialysis and possible transplant. The agent actually complained about the "sudden upsurge" of claims.

Now we've had the same plan for 6 years almost. In that time no one in the company ever made a claim for anything other than routine doctor's visits and a couple of pregnancies. Now one of us actually needs the insurance so they're dumping us. So now I have to either go on disability, to get Medicare, or buy into one of those uninsurable pools and my co-workers have to scramble and find a new plan.

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Profile   Post #: 23
RE: Health law kicks into 2nd gear; does it help me? - 9/23/2010 8:44:29 AM   
Louve00


Posts: 1674
Joined: 2/1/2009
Status: offline 		You're a risk assessment.  Doesn't matter you've had and paid on that policy for 6 yrs, and just had routine claims.  They have a business to run and you're health is getting in the way of its profits.  Doesn't matter that its called health insurance and you buy it to insure your health.  Doesn't matter that they decided to go into the business of health insurance, taking that risk....now....You're the risk. 

It's a wonderful thing.

< Message edited by Louve00 -- 9/23/2010 8:45:44 AM >

_____________________________

For the great majority of mankind are satisfied with appearance, as though they were realities and are often more influenced by the things that seem than by those that are. - Niccolo Machiavelli

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RE: Health law kicks into 2nd gear; does it help me? - 9/23/2010 8:49:37 AM   
DomYngBlk


Posts: 3316
Joined: 3/27/2006
Status: offline 		DomKen, that is sad and disgusting. I hope you can work something out for yourself. I just wish people would see that single payer is the only way to go with health care for all.

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Profile   Post #: 25
RE: Health law kicks into 2nd gear; does it help me? - 9/23/2010 9:00:54 AM   
rulemylife


Posts: 14614
Joined: 8/23/2004
Status: offline
quote:

ORIGINAL: Aylee

quote:

ORIGINAL: rulemylife

What makes them wrong is the emphasis on profit rather than the welfare of the people they insure.

How many times do we need to hear of these companies cutting off benefits and denying treatments before we realize that we are talking about peoples lives, not some commodity that should go to the highest bidder.



A company in it for profit.  Yep, that is pretty horrible.



Yes, it is pretty horrible when there are lives at stake.

Do you just not understand that point?

Or are lives expendable so others can pad their pockets?




< Message edited by rulemylife -- 9/23/2010 9:03:55 AM >

(in reply to Aylee)
Profile   Post #: 26
RE: Health law kicks into 2nd gear; does it help me? - 9/23/2010 9:05:09 AM   
RacerJim


Posts: 1583
Joined: 1/1/2004
Status: offline 		Nationwide, Dems campaigning for election and, moreover, for re-election are running as far and fast from ObamaCare as possible. I even read an article online somewhere earlier this morning that 6 freshmen Dems running for re-election are claiming they voted against ObamaCare even though they weren't in office until a month after ObamaCare was enacted. LOL

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Profile   Post #: 27
RE: Health law kicks into 2nd gear; does it help me? - 9/23/2010 9:09:19 AM   
mnottertail


Posts: 60698
Joined: 11/3/2004
Status: offline 		You should speed up, RacerJim, you're losing the race.

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RE: Health law kicks into 2nd gear; does it help me? - 9/23/2010 9:14:01 AM   
DomKen


Posts: 19457
Joined: 7/4/2004
From: Chicago, IL
Status: offline
quote:

ORIGINAL: RacerJim

Nationwide, Dems campaigning for election and, moreover, for re-election are running as far and fast from ObamaCare as possible. I even read an article online somewhere earlier this morning that 6 freshmen Dems running for re-election are claiming they voted against ObamaCare even though they weren't in office until a month after ObamaCare was enacted. LOL

Why must you tell such obvious lies?

(in reply to RacerJim)
Profile   Post #: 29
RE: Health law kicks into 2nd gear; does it help me? - 9/23/2010 9:52:53 AM   
tazzygirl


Posts: 37833
Joined: 10/12/2007
Status: offline
quote:

An insurance company is in the business of risk assessment. High risk anyone gets denied. 95th percentile is two sigma's out.


Give me a break. I worked new born nursery for too many years to even bat an eye at a baby on that scale. And to deny a healthy baby based upon an outdated scale simply because they can is wrong. Btw, in case you missed the case, the insurance company ended up appologizing, publically, to the family and changed their policy as a result. The father happened to work at the local television station. Imagine how many didnt get the media coverage and had to "suck it up" because of corporate profits.

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RIP, my demon-child 5-16-11
Duchess of Dissent 1
Dont judge me because I sin differently than you.
If you want it sugar coated, dont ask me what i think! It would violate TOS.

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Profile   Post #: 30
RE: Health law kicks into 2nd gear; does it help me? - 9/23/2010 10:00:16 AM   
tazzygirl


Posts: 37833
Joined: 10/12/2007
Status: offline
quote:

ORIGINAL: DomKen

Here in a nutshell is what is wrong with health insurance.

Yesterday my company got a notice that our plan was dropping us. After a while on the phone it became clear that this was a way to avoid being on the hook for the costs of my dialysis and possible transplant. The agent actually complained about the "sudden upsurge" of claims.

Now we've had the same plan for 6 years almost. In that time no one in the company ever made a claim for anything other than routine doctor's visits and a couple of pregnancies. Now one of us actually needs the insurance so they're dumping us. So now I have to either go on disability, to get Medicare, or buy into one of those uninsurable pools and my co-workers have to scramble and find a new plan.


May want to get a lawyer involved.

—Plans can’t cancel coverage for people who get sick.

http://www.bostonherald.com/news/us_politics/view.bg?articleid=1283427&format=&page=2&listingType=politics#articleFull

Not sure how that affects you, but it would be worthwhile to look into.

_____________________________

Telling me to take Midol wont help your butthurt.
RIP, my demon-child 5-16-11
Duchess of Dissent 1
Dont judge me because I sin differently than you.
If you want it sugar coated, dont ask me what i think! It would violate TOS.

(in reply to DomKen)
Profile   Post #: 31
RE: Health law kicks into 2nd gear; does it help me? - 9/23/2010 10:26:32 AM   
Lucylastic


Posts: 40310
Status: offline 		Aylee, just to answer your question from my point of view altho everyone who has responded to you already have covered it pretty well.
Insurance started out being a good idea, until greed and selfishness, profit and shareholders got involved..
When someones health is in danger,  denying someone on their pre existing conditions or inability to pay, is criminal to my mind.
Ive worked in the health care environment for a third of my life on and off and Ive had socialised health care since the second I was born, and while it has its problems and its downfalls I have never been denied preventative care, long term care, medical aids or tests or had to fill out paperwork and had to wait for permission or a decision, outside of the doctors office.
Insurance companies are filled with people who assign us numbers and percentiles, basically creating jobs for themselves off the backs off the sick and then have the nerve to look down on the people who cannot pay their inflated premiums. Leeches are more productive.
Just one explanation, and only a partial one.
I know it wont change your mind, which is fine, but you did ask. YMMV




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<) )╯SUCH
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\(•_•)
( (> A NASTY
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(•_•)
<) )> WOMAN
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Profile   Post #: 32
RE: Health law kicks into 2nd gear; does it help me? - 9/23/2010 12:52:05 PM   
defiantbadgirl


Posts: 2988
Joined: 11/14/2005
Status: offline 		The United States needs universal health care, not universal health insurance. There's a big difference between the two. Health insurance premiums encourage companies to outsource jobs overseas. Health insurance premiums discourage companies from hiring and encourage age discrimination when they do hire. They also encourage companies to fire older employees. The larger the number of older workers a company has, the higher the premiums. With universal health care, there would be no health insurance premiums. Companies would hire people of all ages. Everyone would be covered. People wouldn't die because of insurance companies calling life saving treatments experimental and refusing to pay. Nobody would have to lose everything they own just because they got sick. Everybody would win except the murdering insurance companies. Taxes wouldn't have to go up much to cover the cost if the United States would stop trying to be the world police. Think of all the universal health care our tax dollars could've paid for if we hadn't gone to war in Iraq. Universal health care isn't any more socialist than your local grade school or fire department. 

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Only in the United States is the health of the people secondary to making money. If this is what "capitalism" is about, I'll take socialism any day of the week.


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Profile   Post #: 33
RE: Health law kicks into 2nd gear; does it help me? - 9/23/2010 3:47:44 PM   
DomKen


Posts: 19457
Joined: 7/4/2004
From: Chicago, IL
Status: offline
quote:

ORIGINAL: tazzygirl


quote:

ORIGINAL: DomKen

Here in a nutshell is what is wrong with health insurance.

Yesterday my company got a notice that our plan was dropping us. After a while on the phone it became clear that this was a way to avoid being on the hook for the costs of my dialysis and possible transplant. The agent actually complained about the "sudden upsurge" of claims.

Now we've had the same plan for 6 years almost. In that time no one in the company ever made a claim for anything other than routine doctor's visits and a couple of pregnancies. Now one of us actually needs the insurance so they're dumping us. So now I have to either go on disability, to get Medicare, or buy into one of those uninsurable pools and my co-workers have to scramble and find a new plan.


May want to get a lawyer involved.

—Plans can’t cancel coverage for people who get sick.

http://www.bostonherald.com/news/us_politics/view.bg?articleid=1283427&format=&page=2&listingType=politics#articleFull

Not sure how that affects you, but it would be worthwhile to look into.

That's apparently why the company canceled my whole company's group plan. Our general counsel says it looks like its inside the law. We are contacting an insurance law specialist just to be sure.

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Profile   Post #: 34
RE: Health law kicks into 2nd gear; does it help me? - 9/23/2010 5:03:41 PM   
willbeurdaddy


Posts: 11894
Joined: 4/8/2006
Status: offline
quote:

ORIGINAL: Aylee

quote:

ORIGINAL: Lucylastic

Anything that takes money/power/ from the insurance companies, who lets face it are scum suckers who produce nothing except feeelings of disgust. If its better for anyone who cannot afford medical care , then I will be happy..Its a long way to go, but perfection takes practise.


Explain what is wrong with the health insurance companies.  We have them for Auto and Death.  What makes these people wrong?


There is nothing wrong with health insurance companies, there is a basic problem with the way health insurance is structured. Routine health needs are not classicly insured events, which are events that are low frequency and high cost. The closest thing we have to that is high deductible catastrophic policies, which is all there should be. "Insuring" non-catastrophic events leads to over-use, eliminates cost considerations from the buying decision, and adds unnecessary administration costs. Until the delivery of non-caastrophic medical care is removed from the realm of insurance, nothing will "bend the cost curve down".

_____________________________

Hear the lark
and harken
to the barking of the dogfox,
gone to ground.

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RE: Health law kicks into 2nd gear; does it help me? - 9/23/2010 5:17:38 PM   
Lucylastic


Posts: 40310
Status: offline 		I rest my case


_____________________________

(•_•)
<) )╯SUCH
/ \

\(•_•)
( (> A NASTY
/ \

(•_•)
<) )> WOMAN
/ \

Duchess Of Dissent
Dont Hate Love

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Profile   Post #: 36
RE: Health law kicks into 2nd gear; does it help me? - 9/23/2010 5:21:35 PM   
JstAnotherSub


Posts: 6174
Status: offline 		fast reply

I went on our HR site today to check on how I could add my adult son to my insurance during open enrollment.  If I read everything correctly. I will be unable to do this because he was covered on his sperm donors insurance until he was 18 and he was never on mine.

Change we can believe in...

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yep

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RE: Health law kicks into 2nd gear; does it help me? - 9/23/2010 9:54:27 PM   
tazzygirl


Posts: 37833
Joined: 10/12/2007
Status: offline 		The fact that your now adult son can be covered at all is a change. Dont blame Obama because the sperm donor you had isnt willing.

_____________________________

Telling me to take Midol wont help your butthurt.
RIP, my demon-child 5-16-11
Duchess of Dissent 1
Dont judge me because I sin differently than you.
If you want it sugar coated, dont ask me what i think! It would violate TOS.

(in reply to JstAnotherSub)
Profile   Post #: 38
RE: Health law kicks into 2nd gear; does it help me? - 9/24/2010 4:09:34 AM   
thishereboi


Posts: 14463
Joined: 6/19/2008
Status: offline
quote:

ORIGINAL: tazzygirl

The fact that your now adult son can be covered at all is a change. Dont blame Obama because the sperm donor you had isnt willing.


Maybe I read her post wrong, but I believe she said her son is not going to be covered because he had been covered on the sperm donars ins. Not sure what you think the sperm donar was willing or not willing to do. It sounds like he had his son covered until he was 18 and now her insurance won't cover him.


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RE: Health law kicks into 2nd gear; does it help me? - 9/24/2010 4:42:58 AM   
JstAnotherSub


Posts: 6174
Status: offline
quote:

ORIGINAL: thishereboi

quote:

ORIGINAL: tazzygirl

The fact that your now adult son can be covered at all is a change. Dont blame Obama because the sperm donor you had isnt willing.


Maybe I read her post wrong, but I believe she said her son is not going to be covered because he had been covered on the sperm donars ins. Not sure what you think the sperm donar was willing or not willing to do. It sounds like he had his son covered until he was 18 and now her insurance won't cover him.

That is correct thb.......

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