RE: Free College.

RE: Free College. (Full Version)

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MasterSlaveLA -> RE: Free College. (6/1/2011 4:31:47 PM)
quote: ORIGINAL: tazzygirl Prove it. Everyone against this thing has claimed that rates jumped. Those in favor have said they were going up. If that is your belief, that insurance rates jumped as a direct result of the health care law... prove it. Ummm... I know what my monthly premiums were... I read the letter from my insurance carrier stating my plan rates were going up 30%... and that it was to comply with Urkel's shit bill. I know what happened to my own fucking premiums, missy. Got that?!! [8\|]

willbeurdaddy -> RE: Free College. (6/1/2011 4:35:58 PM)
quote: ORIGINAL: MasterSlaveLA quote: ORIGINAL: tazzygirl Prove it. Everyone against this thing has claimed that rates jumped. Those in favor have said they were going up. If that is your belief, that insurance rates jumped as a direct result of the health care law... prove it. Ummm... I know what my monthly premiums were... I read the letter from my insurance carrier stating my plan rates were going up 30%... and that it was to comply with Urkel's shit bill. I know what happened to my own fucking premiums, missy. Got that?!! [8\|] To be fair, I think she was talking about group premiums. At least I hope she was. 30% was typical for individual coverage, if coverage was even offered. A lot of people were dropped totally, including one of my sons, because he would become eligible for a far more expensive company plan until he is 26.

MasterSlaveLA -> RE: Free College. (6/1/2011 4:37:56 PM)
quote: ORIGINAL: willbeurdaddy quote: ORIGINAL: MasterSlaveLA quote: ORIGINAL: tazzygirl Prove it. Everyone against this thing has claimed that rates jumped. Those in favor have said they were going up. If that is your belief, that insurance rates jumped as a direct result of the health care law... prove it. Ummm... I know what my monthly premiums were... I read the letter from my insurance carrier stating my plan rates were going up 30%... and that it was to comply with Urkel's shit bill. I know what happened to my own fucking premiums, missy. Got that?!! [8\|] To be fair, I think she was talking about group premiums. At least I hope she was. 30% was typical for individual coverage, if coverage was even offered. A lot of people were dropped totally, including one of my sons, because he would become eligible for a far more expensive company plan until he is 26. Yup... that's what I have... individual coverage. [:)]

tazzygirl -> RE: Free College. (6/1/2011 4:52:30 PM)
quote: ORIGINAL: MasterSlaveLA quote: ORIGINAL: tazzygirl Prove it. Everyone against this thing has claimed that rates jumped. Those in favor have said they were going up. If that is your belief, that insurance rates jumped as a direct result of the health care law... prove it. Ummm... I know what my monthly premiums were... I read the letter from my insurance carrier stating my plan rates were going up 30%... and that it was to comply with Urkel's shit bill. I know what happened to my own fucking premiums, missy. Got that?!! [8\|] Missy? Hmm.. so much for the calm, adult debate.

mnottertail -> RE: Free College. (6/1/2011 4:55:02 PM)
its a fallacy of hasty generalization, you've seen it before plenty of times from a couple others.

lockedaway -> RE: Free College. (6/1/2011 4:57:02 PM)
quote: ORIGINAL: mnottertail I was the guy that would have met you at the door with a shotgun saying take your goddamn junk offa my porch, you're destroying my country. Who said free? What sort of strawman are you trying to wiggle in? Taxed, just like the taxes we pay so big oil and banks can pay their idiots millions upon millions in bonuses, pay to lobby congress, pay to back candidates we dont want, pay to... except they dont call them taxes, they get favorable treatments as codb. But it IS free. Almost 50% of the country doesn't pay federal income tax. It is free for them and punitive for the rest of us. No thanks, I will buy my own. I don't need a nanny state to provide for me and do a poor job of doing at that.

tazzygirl -> RE: Free College. (6/1/2011 4:59:29 PM)
quote: ORIGINAL: willbeurdaddy quote: ORIGINAL: tazzygirl quote: ORIGINAL: willbeurdaddy quote: ORIGINAL: tazzygirl Prove it. To borrow tweetybelle's favorite game, google "Republicans Offer Health Care Bill". 17.6 million hits. Nope, Im done doing everyone's google homework. Prove it or it isnt true. LMAO. Admission accepted. I knew you couldnt.... lmao. A rate increase request from Anthem, BCBS, in Maine, dated February 25, 2009. Remember that date... One month after Obama took office. Initial Anthem Filing As identified in my Notice, Anthem initially proposed revised rates for the identified products that it asserted would produce an average increase of 14.5%. As identified in its filing, the largest premium increase depending on deductible level and type of contract for HealthChoice is17.2%, for HealthChoice Standard and Basic is 7.7%, and for Lumenos is 34.1%. Anthem initially requested that these rate revisions become effective on May 1, 2009. Revised Anthem Filing As explained in Anthem’s January 21st revised filing, given the March 12th hearing date and that the Superintendent has 30 days from the close of the evidence to issue a decision, a July 1, 2009 rate effective date appears more realistic (as opposed to its initial requested May 1, 2009). Accordingly, Anthem revised its actuarial analysis with updated data and reflecting a July 1, 2009 effective date. Based on its revised analysis, Anthem now requests approval of revised rates with an average increase of 18.1%. As identified in its revised filing, the largest premium increase depending on deductible level and type of contract for HealthChoice is 23.6%, for HealthChoice Standard and Basic is 9.5%, and for Lumenos is 37.8%. Anthem requests that its revised rate filing become effective on July 1, 2009. http://maine.gov/pfr/insurance/bluecross_anthem/2009_rate_filing/ins-09-1000_update_rate_increase_request.htm No correlation to the health care law in any way.

willbeurdaddy -> RE: Free College. (6/1/2011 5:05:45 PM)
quote: ORIGINAL: tazzygirl quote: ORIGINAL: willbeurdaddy quote: ORIGINAL: tazzygirl quote: ORIGINAL: willbeurdaddy quote: ORIGINAL: tazzygirl Prove it. To borrow tweetybelle's favorite game, google "Republicans Offer Health Care Bill". 17.6 million hits. Nope, Im done doing everyone's google homework. Prove it or it isnt true. LMAO. Admission accepted. I knew you couldnt.... lmao. A rate increase request from Anthem, BCBS, in Maine, dated February 25, 2009. Remember that date... One month after Obama took office. Initial Anthem Filing As identified in my Notice, Anthem initially proposed revised rates for the identified products that it asserted would produce an average increase of 14.5%. As identified in its filing, the largest premium increase depending on deductible level and type of contract for HealthChoice is17.2%, for HealthChoice Standard and Basic is 7.7%, and for Lumenos is 34.1%. Anthem initially requested that these rate revisions become effective on May 1, 2009. Revised Anthem Filing As explained in Anthem’s January 21st revised filing, given the March 12th hearing date and that the Superintendent has 30 days from the close of the evidence to issue a decision, a July 1, 2009 rate effective date appears more realistic (as opposed to its initial requested May 1, 2009). Accordingly, Anthem revised its actuarial analysis with updated data and reflecting a July 1, 2009 effective date. Based on its revised analysis, Anthem now requests approval of revised rates with an average increase of 18.1%. As identified in its revised filing, the largest premium increase depending on deductible level and type of contract for HealthChoice is 23.6%, for HealthChoice Standard and Basic is 9.5%, and for Lumenos is 37.8%. Anthem requests that its revised rate filing become effective on July 1, 2009. http://maine.gov/pfr/insurance/bluecross_anthem/2009_rate_filing/ins-09-1000_update_rate_increase_request.htm No correlation to the health care law in any way. You responded to a different issue. But here ya go: 2010 Health Insurance Premiums Include Major Increases: A fall 2009 survey of state insurance regulators by the National Association of Insurance Commissioners found that average insurance policies will increase between 11% to 16%—and as high as 25% to 30%—annually in most states.--------------------------------------------------------------------------------

tazzygirl -> RE: Free College. (6/1/2011 5:13:19 PM)
My issue is that they were rising all along, having nothing to do with the health care law. Anthems filing was in Feb 2009. Now do me a favor and prove how those rate increases have anything to do with a health care law, or even the health care bill as that wasnt even introduced until Sept 17, 2009.

MasterSlaveLA -> RE: Free College. (6/1/2011 5:14:08 PM)
quote: ORIGINAL: tazzygirl Missy? Hmm.. so much for the calm, adult debate. So "missy" is a curse word of sorts now?!! Who knew?!! I mean... it's not like I referred to you as "subbie", or anything... thems would be fightin' words!!! [;)][:D] lol

mnottertail -> RE: Free College. (6/1/2011 5:16:24 PM)
quote: ORIGINAL: lockedaway quote: ORIGINAL: mnottertail I was the guy that would have met you at the door with a shotgun saying take your goddamn junk offa my porch, you're destroying my country. Who said free? What sort of strawman are you trying to wiggle in? Taxed, just like the taxes we pay so big oil and banks can pay their idiots millions upon millions in bonuses, pay to lobby congress, pay to back candidates we dont want, pay to... except they dont call them taxes, they get favorable treatments as codb. But it IS free. Almost 50% of the country doesn't pay federal income tax. It is free for them and punitive for the rest of us. No thanks, I will buy my own. I don't need a nanny state to provide for me and do a poor job of doing at that. Yeah, corporations get healthcare for free, they largely pay no income tax. Corporations are punitive against us, but it ain't free buddy, everybody pays. Even insurance companies, but rarely.

tazzygirl -> RE: Free College. (6/1/2011 5:16:32 PM)
quote: You responded to a different issue. But here ya go: 2010 Health Insurance Premiums Include Major Increases: A fall 2009 survey of state insurance regulators by the National Association of Insurance Commissioners found that average insurance policies will increase between 11% to 16%—and as high as 25% to 30%—annually in most states According to your own source (the NAIC).... Analysis Premium rates for many in the individual market are going up. But state insurance commissioners and health care experts told us the Patient Protection and Affordable Care Act is responsible in most cases for only a small portion of these increases. The main cause of double-digit rate hikes is rising medical costs. A health policy analyst with the National Association of Insurance Commissioners told us that "as a general trend across all carriers in a state … there’s about a 1 to 2 to 3 percent increase" in premiums in the individual market due to the health care law. If the legislation hadn’t been enacted, the bulk of the reported premium increases still would have occurred. "The real driver of the premiums is the costs, and you have to get the costs under control," the NAIC analyst said. These premium increases are mainly in the individual market, where about 14 million people buy their own insurance. That’s only about 6 percent of those with health coverage (non-elderly) in the U.S. Stephanie Marquis of the Washington State Office of the Insurance Commissioner told us that rate changes requested because of the health care law are expected to be less than 5 percent, while increases in premiums due to rising medical costs average 13.12 percent for individual plans and 15.54 percent for small-group plans. Stephanie Marquis, Nov. 5: The large cost driver in what people are paying does not have to do with health care reform, it has to do with things that were happening well before health care reform and would continue to happen regardless of whether we had health care reform. In New York, Insurance State Board spokesman Andrew Mais reported similar results. Letters that health insurance providers have sent to customers say that premium increases are largely the result of annual trends in medical care. Aetna Health Inc. in New York told its customers in the individual market that it had requested premium increases of 10 percent to 12 percent due to rising costs, plus separate rate changes due to the health care law that "may" result in an additional 4 percent increase in policies covering families. Also in New York, Capital District Physicians’ Health Plan described increases of 10.1 percent to 11.5 percent for HMO small-group plans resulting from trends in the medical field, and a 2.5 percent increase attributable to the new federal law and state mandates. http://factcheck.org/2010/11/the-truth-about-health-insurance-premiums/

willbeurdaddy -> RE: Free College. (6/1/2011 5:33:04 PM)
quote: ORIGINAL: tazzygirl My issue is that they were rising all along, having nothing to do with the health care law. Anthems filing was in Feb 2009. Now do me a favor and prove how those rate increases have anything to do with a health care law, or even the health care bill as that wasnt even introduced until Sept 17, 2009. LMAO. Because if youre talking about individual health it was in the letters that went with the rate increases, and if youre talking group thats what we were told by the insurance companies. since you think if its not online it doesnt exist

tazzygirl -> RE: Free College. (6/1/2011 6:04:14 PM)
Anthem Seeks Sharp Hike In Individual Rates Health Insurance July 01, 2009\|By DIANE LEVICK, [email protected] Anthem Blue Cross wants to raise rates by as much as 32 percent on Connecticut health insurance policies that consumers buy on their own - an unusually large increase in the individual insurance market, which is already under attack in the national debate over reform. A leading seller of individual policies, Anthem Blue Cross and Blue Shield is seeking regulators' approval for increases averaging 23 percent this fall. Most of the company's 56,000 Connecticut members under age 65 in individual plans would see premiums rise between 22 percent and 30 percent, although some would see no change. Anthem, which filed for the higher rates June 9, says that it needs the rate increases because its claim costs are rising, and that it wants them to take effect Oct. 1, instead of the usual Jan. 1 start. "The increasing need for medical services, the use of new, expensive prescription drugs, and advanced technologies are driving up the cost of health care," said company spokeswoman Sarah Yeager. http://articles.courant.com/2009-07-01/news/anthem-rates.art_1_rate-requests-rate-increases-health-insurance The link from your article which it cites as its source. Not a single mention of health care reform being the cause.

BeingChewsie -> RE: Free College. (6/1/2011 7:06:37 PM)
quote: Okay. In that case, the very first thing that should be done is to determine WHY specialists get paid more. Find that and fix it - no more problem. The reason is simple, we do not have enough specialists. It is supply and demand. Tazzy illustrated this somewhere in this thread when she talked about how long it has taken her to get into see a specialist. We don't just need more primary care physicians, we need more specialists. We are not going to get them, but we do need them.

willbeurdaddy -> RE: Free College. (6/1/2011 7:11:47 PM)
quote: ORIGINAL: tazzygirl Not a single mention of health care reform being the cause. WTF are you talking about, it couldnt be clearer: Anthem Blue Cross and Blue Shield in Connecticut, by far the largest insurer of Connecticut residents, said in a letter that it expects the federal health reform law to increase rates by as much as 22.9 percent for just a single provision — removing annual spending caps. The mandate to provide benefits to children regardless of pre-existing conditions will raise premiums by 4.8 percent, Anthem said in the letter. Mandated preventive care with no deductibles would raise rates by as much as 8.5 percent, Anthem said. I told you last year that spending caps would cost 15-20% " Obamacare Is “A Very Significant” Cause Of CT Insurers Asking For “Immediate Rate Hikes Of More Than 20 Percent.” “Health insurers are asking for immediate rate hikes of more than 20 percent in Connecticut, citing rising medical costs and federal health-reform laws as reasons. Both issues — the new federal health care reform and rising medical costs — are very significant drivers of the increases, according to filings by insurers with state regulators, reviewed by The Courant. (Matthew Sturdevant, “Health Insurers Seeking Rate Hikes Of More Than 20 Percent In Connecticut, Citing Medical Costs, Federal Reform,” The Hartford Courant, 9/14/10)

tazzygirl -> RE: Free College. (6/1/2011 7:13:09 PM)
66,000 PCP's vs 67,000 Specialists in residency training. With a shortage expected to be around 40,000 in 8 years.

tazzygirl -> RE: Free College. (6/1/2011 7:31:57 PM)
And the reason for the 36% request by Anthem the year before (2009)? And the reason why it requested 18% in Colorado, which was refused and reduced to 10%? Lets not forget this jewel. http://www.washingtontimes.com/news/2010/feb/14/anthem-delay-insurance-rate-increase-amid-criticis/ And you want me to believe what the company says is the reason for increases?

willbeurdaddy -> RE: Free College. (6/1/2011 7:49:02 PM)
quote: ORIGINAL: tazzygirl And the reason for the 36% request by Anthem the year before (2009)? And the reason why it requested 18% in Colorado, which was refused and reduced to 10%? Lets not forget this jewel. http://www.washingtontimes.com/news/2010/feb/14/anthem-delay-insurance-rate-increase-amid-criticis/ And you want me to believe what the company says is the reason for increases? And every other company doing business in California. This type of intellectual dishonesty is the reason I dont bother posting links and why the only people you have credibility with are your two yenta friends from "CM - The View"

BeingChewsie -> RE: Free College. (6/1/2011 7:52:41 PM)
67,000 specialists in residency spread out over 24+ specialties and 60 or so subspecialties, that isn't nearly enough coming through the pipeline to meet demand. We don't have enough physicians in general. quote: ORIGINAL: tazzygirl 66,000 PCP's vs 67,000 Specialists in residency training. With a shortage expected to be around 40,000 in 8 years.

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