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Thread: Insurers reportedly receiving faulty data from ObamaCare exchanges [W:143:248]

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    Re: Insurers reportedly receiving faulty data from ObamaCare exchanges [W:143]

    Quote Originally Posted by Gimmesometruth View Post
    Yes, if have a car on public roads, you are mandated to purchase car insurance....and that is fascism!
    There is no federal or state mandate to purchase car insurance. There is also no federal or state mandate to carry car insurance while operating a car on public roads in Texas. California, Washington, Tennessee, Ohio, New Hampshire as well. I can't help you with your arguments if they are so plainly false.
    Quote Originally Posted by Gimmesometruth View Post
    If you earn income, you pat into a social insurance called Social Security.....and that is fascism....created by FDR...a well know fascist.
    No. That's called socialism, although they're two branches of the same statist tree.
    Quote Originally Posted by Gimmesometruth View Post
    If you have a body in this public space known as the US, you are mandated to carry HI on it.....and that is fascism....and it is an idea created by the fascist Heritage Foundation!
    I don't care where the idea came from. People you agree with on some things are not immune to stupid ideas.
    Quote Originally Posted by Gimmesometruth View Post
    I'm sure if you keep going on tangents you will never be cornered!
    Sure, Mr. "I have a right to health care & poll workers".

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    Re: Insurers reportedly receiving faulty data from ObamaCare exchanges [W:143]

    Quote Originally Posted by FederalRepublic View Post
    So progressives create a problem, and then bring us the solution to the problem they've created. That's how it works.
    I really believe that more than just the "progressives" would be loath to deny someone treatment for an illness or accident because they didn't have the foresight to have insurance.

    What is your solution this problem?
    "Donald Trump is a phony, a fraud... [he's] playing the American public for suckers." Mitt Romney

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    Re: Insurers reportedly receiving faulty data from ObamaCare exchanges [W:143]

    Quote Originally Posted by MaggieD View Post
    Another thing that bothers me about this exchange is the fact that it takes insurance salespeople out of the mix. The greater majority of people need someone to interpret insurance legalese. Even though these programs are supposed to be idiot proof? When I was able to briefly view options, they were confusing to me. I've learned that if I'm confused, the greater majority of people are as well.

    Insurance salespeople are able to cut through the baloney and compare features. There's a huge assumption being made that people are going to take the time and have the smarts to wade through the exchange and determine what policy is most advantageous for them. That, in my opinion, is a mistake.

    Though I probably sound like a broken record citing healthcare pieces from Trudy Lieberman, she had a great piece on the difficulties experiance while shopping the exchanges

    The AP story brought to mind a piece I have been waiting to comment on—a fine story by WBUR’s Martha Bebinger that reporters ought to use as a model when looking for interesting ways to report on a not-so-interesting subject.
    Bebinger reported on the shopping experience of Sarah Bechta, a wife, mother, and doctor living in Northborough, Massachusetts. Bechta spent six to eight hours comparing plans, trying to figure out whether one of those newfangled insurance plans with tiers of high, medium, and low-priced docs and hospitals was right for her. Massachusetts is leading the way in creating new insurance products that, in turn, create more headaches for consumers. Insurers are encouraging them to choose low-cost providers; in return, they will give them a price break either on the premium or on their out-of-pocket costs. In effect, they are following a sales strategy that assumes buying insurance is like making a choice at Baskin Robbins.

    Dr. Bechta’s experience shows the difficulty of “choosing the best.” Bechta learned that a tiered plan would cut her premium in half, and she would save around $1400 a year, a sum that “made me stop and think,” she said. But then she asked herself the relevant question: Would higher deductibles and copayments gobble up the savings? They might if she could predict what illnesses her family would have during the year. “I could not figure it out,” she said. Of course she couldn’t. If you have a chronic illness, some medical expenses are predictable. But for other people, they are not. Bechta did some rough calculations of the costs she would incur if her daughter came down with appendicitis. If her daughter went to a tier 3, higher cost hospital—such as Children’s, which her doctor might recommend—the premium savings would be wiped out.
    continued at link:

    Is Buying Health Insurance Like Shopping on Amazon? : Columbia Journalism Review

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    Re: Insurers reportedly receiving faulty data from ObamaCare exchanges [W:143]

    Quote Originally Posted by Dr. Chuckles View Post
    Though I probably sound like a broken record citing healthcare pieces from Trudy Lieberman, she had a great piece on the difficulties experiance while shopping the exchanges



    continued at link:

    Is Buying Health Insurance Like Shopping on Amazon? : Columbia Journalism Review
    What she's identified is not specifically a problem with the exchanges. It's a problem with any "market oriented" approach to supply health insurance. According to market theory, the market works when people possess the information necessary to make a proper decision.

    Ask yourself "Who the **** knows how much health care they're going to need in the next 12 months?"
    Quote Originally Posted by matchlight View Post
    Justice Thomas' opinions consistently contain precise, detailed constitutional analyses.
    Quote Originally Posted by jaeger19 View Post
    the vast majority of folks that need healthcare are on Medicare.. both rich and poor..

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    Re: Insurers reportedly receiving faulty data from ObamaCare exchanges [W:143]

    Quote Originally Posted by trfjr View Post
    your tinfoil hat is on crooked
    That's rich coming from the guy who fabricated an OP citing Fox News whining about how all of Obamacare is a complete failure because some people couldn't log in on the first day.
    Quote Originally Posted by Moderate Right View Post
    The sad fact is that having a pedophile win is better than having a Democrat in office. I'm all for a solution where a Republican gets in that isn't Moore.

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    Re: Insurers reportedly receiving faulty data from ObamaCare exchanges [W:143]

    Quote Originally Posted by trfjr View Post
    the Obama care navigators union and acorn thugs that has no experience with 20 hour of training and no back ground checks
    your better off consulting to a magic 8 ball at least you will know with the magic 8 ball your personal information will remain secure
    ACORN? Really?
    Quote Originally Posted by Moderate Right View Post
    The sad fact is that having a pedophile win is better than having a Democrat in office. I'm all for a solution where a Republican gets in that isn't Moore.

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    Re: Insurers reportedly receiving faulty data from ObamaCare exchanges [W:143]

    Quote Originally Posted by sangha View Post
    What she's identified is not specifically a problem with the exchanges.
    No, it would be actually an issue with how the exchanges are designed and implamented


    It's a problem with any "market oriented" approach to supply health insurance.
    I'm not sure about that, but that is rather irrelevant to the fact that ACA is built on a model that depends on the avg consumer buying a plan he is just ill prepared to properly access

    Ask yourself "Who the **** knows how much health care they're going to need in the next 12 months?"
    I'm not sure pointing to poor planning and implementation serve as the best defense here

    Also, it's worth reading on further: <<<She calculated some more, constructing a table of her family doctors and the tiers in which they had been placed by the various insurance companies. There was no uniformity. All the family’s primary care docs were in different tiers for different health plans. So while Blue Cross might have put one physician in tier 1, Harvard Pilgrim might have put the same doc in tier 2. “There’s no way my pediatrician can be tier 1 for one insurer and tier 3 for another,” said Bechta. “It just makes no sense.”>>>

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    Re: Insurers reportedly receiving faulty data from ObamaCare exchanges [W:143]

    Quote Originally Posted by Dr. Chuckles View Post
    No, it would be actually an issue with how the exchanges are designed and implamented




    I'm not sure about that, but that is rather irrelevant to the fact that ACA is built on a model that depends on the avg consumer buying a plan he is just ill prepared to properly access
    The "problem with ACA" and it's model is the same problem people who didn't get their insurance through their employer had - having to determine which plan would be best for future needs which couldn't be predicted

    IOW, there's nothing "special" about the plans in the exchange that makes them any more problematic that the plans offered to individuals and families in the private market. That's because "the model" ACA is built on is "the free market" even though health insurance and health care is not amenable to being sold on the free market due to a lack of information

    That's why the problems she identifies (in your quote) have nothing to do with how the exchanges are designed an implemented. The problems concern the difficulty of comparing the different plans against what a person or family's future health care needs will be.
    Quote Originally Posted by matchlight View Post
    Justice Thomas' opinions consistently contain precise, detailed constitutional analyses.
    Quote Originally Posted by jaeger19 View Post
    the vast majority of folks that need healthcare are on Medicare.. both rich and poor..

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    Re: Insurers reportedly receiving faulty data from ObamaCare exchanges [W:143]

    Quote Originally Posted by sangha View Post
    The "problem with ACA" and it's model is the same problem people who didn't get their insurance through their employer had - having to determine which plan would be best for future needs which couldn't be predicted
    Actually, no, if you read the piece, this is very clearly addressed

    AP reported: “The new marketplaces are supposed to work like an Amazon.com for health insurance, providing consumers with one-stop shopping for competitively priced coverage.” As she has before, Secretary of Health and Human Services Kathleen Sebelius argued that “more competition will drive down costs and exchanges will give individuals and small businesses the same purchasing power big businesses have today.” The AP didn’t say how that would happen, nor did it mention that up to half of the governing board for these shopping services could be composed of industry reps , creating the potential for fox-in-the-hen-house regulation. At least one consumer rep must be on the board...

    ...Bechta spent six to eight hours comparing plans, trying to figure out whether one of those newfangled insurance plans with tiers of high, medium, and low-priced docs and hospitals was right for her. Massachusetts is leading the way in creating new insurance products that, in turn, create more headaches for consumers. Insurers are encouraging them to choose low-cost providers; in return, they will give them a price break either on the premium or on their out-of-pocket costs. In effect, they are following a sales strategy that assumes buying insurance is like making a choice at Baskin Robbins.
    Insurers have responded to such legislation by changing how they model their insurance plans ...

    IOW, there's nothing "special" about the plans in the exchange that makes them any more problematic that the plans offered to individuals and families in the private market.
    Let's see, a yale journalist professor who specializes in healthcare coverage and is considered one of the leading experts on healthcare reform, or random person on the internet.

    Yeah, I'm going to have to go with the person with extensive knowledge of the subject. Sorry : (

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    Re: Insurers reportedly receiving faulty data from ObamaCare exchanges [W:143]

    Quote Originally Posted by Dr. Chuckles View Post
    Actually, no, if you read the piece, this is very clearly addressed



    Insurers have responded to such legislation by changing how they model their insurance plans ...

    I don't see anything in that quote that says the changes are due to ACA. From what you've quoted, it seems she's talking about the plans in Mass, and even those are not the result of any legislation but rather, insurers trying to keep costs down by creating tiers of doctors based on what they charge. AFAIK, there's nothing in ACA that either requires the insurers to do that or forbids them from doing so.

    Let's see, a yale journalist professor who specializes in healthcare coverage and is considered one of the leading experts on healthcare reform, or random person on the internet.

    Yeah, I'm going to have to go with the person with extensive knowledge of the subject. Sorry : (
    I'm not disagreeing with anything she said in the quote you posted. I'm disagreeing with your dishonest misrepresentation of what she said.

    And what's so dishonest about your post? Why, it's how you claim this has something to do with the exchange and ACA when the underlying story shows that it's a problem for people who are not buying insurance through the exchange


    http://www.kaiserhealthnews.org/Stor...Insurance.aspx

    Insurers say a growing number of employers are offering tiered insurance plans because they are the best way to lower premiums while still giving consumers some choice in where they go for care. Limited network plans that restrict where patients go for care in exchange for lower premiums are the other option many employers are considering as they try to hold down rising health care costs. Insurers are watching the consumer response to these plans with great interest.
    Bechta wasn't buying insurance through the exchange. Her problem has nothing to do with the exchange, and your claim that it has something to do with the exchange was nothing more than a lie

    Sarah Bechta, a wife, mother and physician from Northborough, Mass. sat down at her kitchen table with a folder full of brochures, pages from insurance websites and a hand-drawn spreadsheet to try to find out if a new "tiered" health plan would be the cheapest option for her family.
    And the problems Bechta is facing are, according to the underlying article, unlikely to occur anywhere other than Mass.

    "Massachusetts is in the vanguard with these plans," says Alwyn Cassil at the Center for Studying Health System Change. Cassil says large employers have not been willing to try this type of coverage in other states because the savings aren't worth the change. And Massachusetts is unusual, says Cassil "because of the (insurers) ability to include hospitals." In many states, hospitals can demand to be placed in the top tier of an insurance plan as a contract condition, but not in Massachusetts.
    Last edited by sangha; 10-22-13 at 03:06 AM.
    Quote Originally Posted by matchlight View Post
    Justice Thomas' opinions consistently contain precise, detailed constitutional analyses.
    Quote Originally Posted by jaeger19 View Post
    the vast majority of folks that need healthcare are on Medicare.. both rich and poor..

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