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RE: Doing Away With Employer Healthcare - 11/6/2012 5:46:26 AM   
Yachtie


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quote:

ORIGINAL: mnottertail

OH, what hyperbole we spew when we wave our rag and do the teabagger jingo shuffle.

Much like you would attempt to change a drug addicted son or daughter or mother or father you love, Yachtie.  

Don't run down the patriotic smegma route.  The ineptitude is overwhelming.   



Yeah, and the left has so drugged this country on its entitlement / nanny state mentality. Keep feeding it more of your drugs dude.

You're pimping for America.

_____________________________

“We all know it’s going to end badly, but in the meantime we can make some money.” - Jim Cramer, CNBC

“Those who ‘abjure’ violence can only do so because others are committing violence on their behalf.” - George Orwell

(in reply to mnottertail)
Profile   Post #: 41
RE: Doing Away With Employer Healthcare - 11/6/2012 5:48:46 AM   
mnottertail


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I find it interesting that the very people who cravenly support the military-industrial complex welfare system could speak so naifishly about these issues. 

But they may have been for it, before they were against it, like all other things.

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Have they not divided the prey; to every man a damsel or two? Judges 5:30


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Profile   Post #: 42
RE: Doing Away With Employer Healthcare - 11/6/2012 6:25:01 AM   
DesideriScuri


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quote:

ORIGINAL: tazzygirl
quote:

If they actually go through with the preventive care.
Where is the incentive for them to do so? It won't be their money on the line.

You have never proven they wont. My belief is that they will simply because they would now have access. Who wants to be deliberately sick?


From the OP:
    quote:

    Seems like, as predicted, that business is eliminating employee healthcare after all. All they had to do was reduce the hours of their employees and shift the burden for payment of healthcare to the individual.


And, from the link, it was pointed out that half of the employees currently take the insurance now. So, half the employees already have insurance, so there would be less of a change towards preventive care, it all that's required is having insurance. But, half the employees don't take it. Why not? Isn't it something they need? And, if it's provided by Big Gov, having their hours cut means less $$ in their pockets from the start.

quote:

quote:

I wonder what would happen if the Feds forced insurance companies to one specific annual payout limit, with no lifetime limits, and the Federal Government taking on those that pass that annual limit. For instance, my ex's employer is self-insured and they have a $70k/yr. stop-loss/employee, after which the insurance company covers 100% of the medical care. What if that $70k annual stop-loss didn't go on to the insurance company, instead shifting over to the Federal Government? The risk to the insurance company associated with stop-losses would disappear, which should allow premiums to drop, too. That could make insurance actually more affordable, allowing more people to buy in. And, that could very easily lead to fewer people getting bankrupt from medical costs.

Q. Who is insured?
A. A significant difference between stop-loss and conventional employee benefit insurance is that stop-loss insures only the employer. Stop-loss does not insure employees (health plan participants).

http://www.siia.org/i4a/pages/Index.cfm?pageID=4549
You do realize we are trying to get away from employer based insurance, yes?


OMG!! The employees aren't covered by the stop-loss?!?!? Explain how that happens, then. Here is the situation for my ex. She pays no premium costs. She has an $800 family deductible per year, and then is covered 80/20 for the next $2000, after which her and the boys are covered 100% (outside of co-pays). So, her non-co-pay stop-loss is $1200/year. So, yes, her co-pays keep adding up, but, is that really going to cause her to drown into bankruptcy? The answer to that is, no.

Now, I wonder what would happen if an employee hits the $70k stop-loss, and the Federal Government then takes over for the insurance company, the employer, and the employee? Nah, that couldn't be written. The employee would have to be kept out of that.

Anything else you want to quibble over?

Oh, and, what do you think that will do to the cost of insurance? How about the cost of care?

_____________________________

What I support:

  • A Conservative interpretation of the US Constitution
  • Personal Responsibility
  • Help for the truly needy
  • Limited Government
  • Consumption Tax (non-profit charities and food exempt)

(in reply to tazzygirl)
Profile   Post #: 43
RE: Doing Away With Employer Healthcare - 11/6/2012 6:28:24 AM   
mnottertail


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So, intended consequences afterall.  This bodes well for single payer, since everyone will have to go to the government anyhow.  It is as it should be.

_____________________________

Have they not divided the prey; to every man a damsel or two? Judges 5:30


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Profile   Post #: 44
RE: Doing Away With Employer Healthcare - 11/6/2012 6:35:34 AM   
defiantbadgirl


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Doing away with employer health insurance is one of the best things that could happen in this country because it will lead to single-payer. I believe employer based health insurance is one big reason companies off-shore jobs. Eliminating employer based health insurance provides incentive for companies to keep jobs here.

_____________________________


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 #: 45
RE: Doing Away With Employer Healthcare - 11/6/2012 6:37:24 AM   
DaddySatyr


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I used to call this law "Love Letter To Insurance Companies" but as corporations will do, they have found a way to help the failure-in-chief just fuck middle class Americans over.

That's the end result, really. Wow! I'm so glad I have Barry Ofailure watching over me (for another three months)



Peace and comfort,



Michael


< Message edited by DaddySatyr -- 11/6/2012 6:42:24 AM >


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Profile   Post #: 46
RE: Doing Away With Employer Healthcare - 11/6/2012 6:37:54 AM   
OttersSwim


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quote:

ORIGINAL: DesideriScuri
OMG!! The employees aren't covered by the stop-loss?!?!? Explain how that happens, then. Here is the situation for my ex. She pays no premium costs. She has an $800 family deductible per year, and then is covered 80/20 for the next $2000, after which her and the boys are covered 100% (outside of co-pays). So, her non-co-pay stop-loss is $1200/year. So, yes, her co-pays keep adding up, but, is that really going to cause her to drown into bankruptcy? The answer to that is, no.


Well now that depends on the severity of the injury. Most of those policies have a ceiling limit to them when in cases of even a short hospital stay can break through it leaving the patient liable for the remainder. This happened with my ex-wife's father who required rehab after a fairly prolonged hospital stay.

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Profile   Post #: 47
RE: Doing Away With Employer Healthcare - 11/6/2012 6:59:48 AM   
tazzygirl


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quote:

And, from the link, it was pointed out that half of the employees currently take the insurance now. So, half the employees already have insurance, so there would be less of a change towards preventive care, it all that's required is having insurance. But, half the employees don't take it. Why not? Isn't it something they need? And, if it's provided by Big Gov, having their hours cut means less $$ in their pockets from the start.


hahahaha.... you are funny. Go back and read just how those policies work.

quote:

OMG!! The employees aren't covered by the stop-loss?!?!?


OMG!!! Like!!! I know!!! Right?!?! HOW DARE THEY?!

Actually, if you took the time, you would see that is directly from a site that offers that type of insurance coverage that you speak about.

Self-Insurance Institute of America, Inc.

If YOU dont like how THEY word things, take it up with THEM.

quote:

Now, I wonder what would happen if an employee hits the $70k stop-loss, and the Federal Government then takes over for the insurance company, the employer, and the employee? Nah, that couldn't be written. The employee would have to be kept out of that.


Explain how that takes government out of the insurance business?

See, even you cant see a way around it.

_____________________________

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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.

(in reply to DesideriScuri)
Profile   Post #: 48
RE: Doing Away With Employer Healthcare - 11/6/2012 8:26:42 AM   
DomYngBlk


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Joined: 3/27/2006
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quote:

ORIGINAL: Yachtie


quote:

ORIGINAL: DomYngBlk
I will ask you again. Why do you hate and mistrust your fellow countrymen so much. Why not just move.


Why do you hate what this country was/is and desire to change it to something else? You can hardly be said to love it. Like a bride at her wedding thinking "Aisle Alter Him". If you love something enough, why would you want to change it?



Back on your meds.....I love America and Americans. I want us all to live happy healthy lives. He doesn't. I don't think you do either.

(in reply to Yachtie)
Profile   Post #: 49
RE: Doing Away With Employer Healthcare - 11/6/2012 8:37:05 AM   
JanahX


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Joined: 8/21/2010
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quote:

ORIGINAL: TheHeretic


The problem with that logic is that it's much cheaper when people DON'T live to a ripe old age. Want the same folks who review SSDI applications examining an early cancer diagnosis?

Show me a workable plan that addresses the inherent problems*, and I could get on board for some kind of nationalization, but single payer is only an invitation to fraud, and a spiral into paying more, and getting less, that is worse.



How about this for a proposal - Why doesn't the R party introduce "Carousel" like in Logans Run? That should take care of it. How dare people get old. What a burden on society. Actually - I wouldnt be surprised if I saw a Republican propose a bill like this - it seems to streamline right along with their logic.

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The second rule of Fight Club is you do not talk about Fight Club.


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Profile   Post #: 50
RE: Doing Away With Employer Healthcare - 11/6/2012 8:42:26 AM   
tazzygirl


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Because then the Romney's of the world wouldnt be in the world.

_____________________________

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.

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Profile   Post #: 51
RE: Doing Away With Employer Healthcare - 11/6/2012 8:43:39 AM   
JanahX


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How tragic!!!!

quote:

ORIGINAL: tazzygirl

Because then the Romney's of the world wouldnt be in the world.



_____________________________

The first rule of Fight Club is you do not talk about Fight Club.

The second rule of Fight Club is you do not talk about Fight Club.


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Profile   Post #: 52
RE: Doing Away With Employer Healthcare - 11/6/2012 8:44:51 AM   
tazzygirl


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Next we will have the Repo-Man law.

_____________________________

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 JanahX)
Profile   Post #: 53
RE: Doing Away With Employer Healthcare - 11/6/2012 8:45:02 AM   
mnottertail


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Joined: 11/3/2004
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Thing is though with preventative healthcare, and educated, healthy choices available,  we would find less burden on healthcare systems by the aged, live to 95 with a clear head and workable body, give out and all done in one day.........not the slow undoing for decades that we see due to the way we do things.

_____________________________

Have they not divided the prey; to every man a damsel or two? Judges 5:30


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Profile   Post #: 54
RE: Doing Away With Employer Healthcare - 11/6/2012 8:53:21 AM   
tazzygirl


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I completely agree. And, a sounder body at age 30 will function much better at age 80. They know this. They simply dont care.

Take Medicare, open it to everyone, get rid of insurance companies for health care, unless you want a premium package to pay for the extras.. like boob jobs.

Medicaid is now gone. Workman's comp is now gone. Charity funds are now freed up to go elsewhere besides health care. Tricare is now gone. SSDI is gone(the medical part). SSD is now gone(the medical part). State funds are now cleared up.

Hospitals are paid. Doctors are paid. No questioning IF your insurance company allows this test over that test. No denials because you have reached some insurance companies limit. No denials because you had a cold 18 years ago and didnt report it.

Collection companies will bitch up a storm. Insurance companies will grind their teeth and moan like little whimps.

The cost savings are there... a plethora of them.



< Message edited by tazzygirl -- 11/6/2012 8:54:17 AM >


_____________________________

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 mnottertail)
Profile   Post #: 55
RE: Doing Away With Employer Healthcare - 11/6/2012 8:58:31 AM   
Aswad


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quote:

ORIGINAL: DesideriScuri

It's their health on the line now. What will be different?


Availability and quality go up.

IWYW,
— Aswad.


_____________________________

"If God saw what any of us did that night, he didn't seem to mind.
From then on I knew: God doesn't make the world this way.
We do.
" -- Rorschack, Watchmen.


(in reply to DesideriScuri)
Profile   Post #: 56
RE: Doing Away With Employer Healthcare - 11/6/2012 9:22:11 AM   
Aswad


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quote:

ORIGINAL: DesideriScuri

Oh, I do want the most out of my tax money. And, that's where I find issue with increasing the amount of money our Federal Government controls/uses. It was something that our Founding Fathers wrote into the Constitution (or at least they attempted to do just that; changing interpretations has all but destroyed that).


Believe it or not, but it makes a huge difference that the economic system is different (no longer on the gold standard, for instance), and socioeconomics and such fields have advanced quite a bit (computers make advanced statistics and modelling possible, for instance). It's senseless to base current decisions in objectively measurable fields on outdated ideas. Subjective fields, sure. That's about values, and I don't see a problem with conserving values. But objective fields are about reality, so there are right and wrong answers there, and those answers we get closer to with advances in sciences that were- at best- in their infancy at the time when the Constitution was written.

Holding on to the principles is compatible with embracing updated knowledge.

quote:

The people on Welfare, I believe, are eligible for MedicAid, which can still be seen as "national healthcare." If they aren't doing it now, what incentive is there for those people to change?


In all fairness, you don't have anything resemling decent welfare and healthcare at the moment.

As for incentive, if there is a real prospect of a good life, people usually go for it.

quote:

I think I may have not articulated my response as well as intended, either. I don't think the majority of Americans would ever consider crime as a way of life, though some will.


Yet you still have the highest incarcerated population of any country, on par with Stalin, and an abysmal recidivism rate. That's not very cost effective, and it's not necessary, as demonstrated here; we've tried other approaches, and the statistics are pretty clear on cause and effect: you would benefit from a slow transition to our model.

Imagine being able to leave your car unlocked in a bad neighbourhood with a perfectly reasonable expectation that nobody is going to do anything about it while you're away a few hours. That's a reality for us, and it can be for you, too. Which will cost you less than what you currently pay. To me, that sounds like a win-win situation.

quote:

Damn. I find that hard to believe considering my view of Americans. That's not saying I think you're lying.


Americans are certainly consumerists, but so are we. Bear in mind that the USA has exported all those elements of its culture to Norway quite effectively, and that since the 90's or so, we've become the apprentice that exceeded the master in every regard (per capita, there are few areas in which we don't do more and better; except suffering, which we don't do nearly as much of).

quote:

As usual, you have impressed me with your responding style. Thanks for the thought that went into it.


You're welcome, of course. It's well worth considering these things.

Let me be clear that I'm the last person to want to push socialist thinking. To my mind, these are fiscally conservative measures that just happen to have the side benefit of making more people live productive lives. I'm not very happy about Norway, because we lack some of the things that the USA actually does have (for instance the second amendment, to mention just one tiny thing). The USA can take a page out of our book as regards cost efficient policies, without all the socialism, and become a far better nation for it.

Unless the liberal party (ironically closer to American thinking than every other party here, except for the conservative party) happens to get a landslide result, there is no way Norway could become a better place to live than the USA could be if it implemented this attitude to cost effective politics and policies. But without implementing those things, the USA will fall behind on all parameters in the course of some ten to twenty years, I expect.

As I've said in the past, I'm kind of fond of the USA, actually, except for its foreign affairs.

And next to multistate secession, this is IMO the best thing you can do right now.

IWYW,
— Aswad.


_____________________________

"If God saw what any of us did that night, he didn't seem to mind.
From then on I knew: God doesn't make the world this way.
We do.
" -- Rorschack, Watchmen.


(in reply to DesideriScuri)
Profile   Post #: 57
RE: Doing Away With Employer Healthcare - 11/6/2012 9:36:17 AM   
Edwynn


Posts: 4105
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quote:

ORIGINAL: Lucylastic

I hope you realise that THAT has been going on for YEARS. It started after the union busting and is RAMPANT in the hospitality, tourism, and retail system.




Bingo.

With or without union busting, we're talking of an industry where 30 or less hours per week, predominantly part-time hires, regular turnover, etc., has been the norm for decades.

I can only imagine the extensive ferreting to find the .0001% exceptions to the norm to create this 'story.'

I note the absence of any companies outside of the hotel/restaurant industry being mentioned in the article.

Boy, what a whammo to the economy this is going to be, huh?

This coming from the same crowd that elected the people who implemented the cowboy capitalism policies that drove our economy into the dirt. Over 8.5 million jogs lost, millions of homes lost ... but reducing a few hours of min. wage workers ... whoa! look out!

We should hear their concerns, don't you think?

Ha ha.


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Profile   Post #: 58
RE: Doing Away With Employer Healthcare - 11/6/2012 9:49:32 AM   
searching4mysir


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quote:

ORIGINAL: Aswad

quote:

ORIGINAL: DesideriScuri

It's their health on the line now. What will be different?


Availability and quality go up.

IWYW,
— Aswad.




How so if people don't want to be GPs or OB/GYNs anymore?

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Profile   Post #: 59
RE: Doing Away With Employer Healthcare - 11/6/2012 10:31:30 AM   
JanahX


Posts: 3443
Joined: 8/21/2010
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quote:

ORIGINAL: searching4mysir


quote:

ORIGINAL: Aswad

quote:

ORIGINAL: DesideriScuri

It's their health on the line now. What will be different?


Availability and quality go up.

IWYW,
— Aswad.




How so if people don't want to be GPs or OB/GYNs anymore?



Why on earth would anyone want to be a GP or OB/GYN when they have the option to prepare for a career at Staples or Dominos Pizza? I hear their healthcare packages and pay are out of this world!!!!

_____________________________

The first rule of Fight Club is you do not talk about Fight Club.

The second rule of Fight Club is you do not talk about Fight Club.


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Profile   Post #: 60
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