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Thread: Florida Blue cutting 300K policies

  1. #51
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    Re: Florida Blue cutting 300K policies

    Quote Originally Posted by j-mac View Post
    Simply not true..in fact, reports are that premiums have gone up. People will see, despite liberal attempts to hide the sticker shock...
    Yeah, distorted reports. Have you gone and priced yours yet? Have you even confirmed that you are losing money, or are you just going to take their word on it? Their word is not reliable. See for yourself.

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    Re: Florida Blue cutting 300K policies

    Quote Originally Posted by j-mac View Post
    Simply not true..in fact, reports are that premiums have gone up. People will see, despite liberal attempts to hide the sticker shock...
    Yeah, I agree the prices will go up because Obama's plan offers no protection from insurance companies playing the system. If we really want to contain costs, we should have at minimum had a public option available.

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    Re: Florida Blue cutting 300K policies

    Quote Originally Posted by j-mac View Post
    Wow, that's great don!!! And tell me, what happens when that young family of 4 is told that a shinny new o plan will cost them 150% more, and a deductible 10 times what they had, how are they supposed to do that?
    That would be problematic, to say the least. I am not stating that there is no potential problem. My point is that we need to wait until there is sufficient data to draw hard conclusions.

    Legitimate risks exist. However, the Florida Blue experience and that of other cases will all need to be looked at more closely before one can reach conclusions e.g., those concerning possible adverse selection, among other issues. The opportunity to enroll, cost of replacement plans, shift in enrollment patterns, and impact on currently covered and currently uninsured persons, are some examples of data that will need to be examined.

    My early guess, based on CBO and other analyses, historic experience with sophisticated product/service introductions, etc., is that changes beyond a website fix will likely be needed. The magnitude of such changes (local? regional? national?) and nature of such changes are uncertain.

  4. #54
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    Re: Florida Blue cutting 300K policies

    Quote Originally Posted by finebead View Post
    And you seem to buy into the myth of health ins. under the old system, that the cheap policy they could afford, which guaranteed would FAIL if they really needed it when they got a survivable cancer illness that required expensive long term care, that is an OK model. It is not; it is merely a myth that you have a good policy. You have a policy designed to GUARANTEE the heath ins. company a profit if nothing really bad happens to you, and FAILS for you if you get really sick and need a lot of care. That's simply a pathetic system. It's not a national healthcare system, its just a guaranteed profit system for the health ins. industry.
    I'm not the one buying into a myth. You seem to think that not being able to afford insurance is better than having insurance that might drop you. You are trying to counter boogiemen with a program that is currently doing exactly what you fear to millions of Americans.
    Last edited by jmotivator; 10-25-13 at 12:40 PM.

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    Re: Florida Blue cutting 300K policies

    Quote Originally Posted by tererun View Post
    That may or may not be the case. Due to subsidies and restrictions on how much they have to have paid out for medical costs or else they are legally forced to give you a refund it may be less. Why don't you look for yourself instead of bitchin about something you have not even tried. God, why do I feel like a parent trying to get some overly picky kids to eat some food they have never tried before but I know they would probably like if they had it?
    On the exchange, in Ohio, there are 32 plans available for me that range from $444.82/mo to $1,167.42/mo. My current plan is 320/mo and has a better copay, deductible, and out-of-pocket max than the $444 plan.

    I'm eligible for $43 in subsidies.

    When you make one-size-fits-all plans, with mandated coverage options, like maternity care even for single gay men, the cost will go up.

    Also, that "legally forced to give you a refund" amount, if any, will be split between you and the government. Remember, they paid some of the premiums too.

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    Re: Florida Blue cutting 300K policies

    Quote Originally Posted by finebead View Post

    All the people who were rejected by the health ins. company death panels due to their pre-existing conditions seem very happy, and they have signed up. That is success, not disaster.
    Why didn't they sign up before now? Each state set the wait periods that people with pre-existing conditions could meet then get health insurance. And don't even pretend that Obamadon'tcare doesn't have a similar type wait period with it's open enrollment periods. Miss that and you are stuck until the next year. And show us where you got your stats from that confirm that everybody with a pre-existing condition is now signed up with an insurance plan. And while you are at it, show us just how many people got their health insurance cancelled because they got sick.

    Your political operative talking points have been way over stated to get suckers to buy into them.
    "“If we don’t deepen our ports all along the Gulf — places like Charleston, South Carolina; or Savannah, Georgia; or Jacksonville, Florida…” -Obama

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    Re: Florida Blue cutting 300K policies

    Quote Originally Posted by Fenton View Post
    You're using a small minority of situations to justify a massive takeover that will result in millions losing their coverage and or being forced to shop off of the exchanges for policies they can't afford.
    That's true, but in those minority of situations, the result is that the uninsured who are seriously ill DIE, while the health ins. companies make essentially GUARANTEED PROFITS since they could drop anyone who cost them too much. Its immoral and unacceptable, unless you can explain how its moral. If you think the health ins. companies were not essentially guaranteed their profits, maybe you can point to a quarterly loss by an established company that was due to excessive illness claims, but I don't remember any in the last 20 years.

    Quote Originally Posted by Fenton
    The last time Govt stuck its nose into a large aspect of private enterprise it nearly cratered our economy.
    Are you talking about the republican housing bubble and banking crisis of 2008, or the medicare part D legislation passed by the repub house, repub senate, and signed by Bush in 2005 with no tax to pay for it at all, that will cost us $70 billion on the deficit this year?

    Quote Originally Posted by Fenton
    Those "guarantees" you speak of under ACA are being financed by the middle class through higher premiums.

    That's going to have drastic economic effects on the already sick economy.

    The ACA was the worst possible option for "fixing" our health care industry, amd how anyone could have any faith in the competence of our current Presidential administration after the bungled release of the Obama Care website is beyond me.
    Well if you get more, I don't mind paying more. I pay a lot of taxes, always have. I pay for roads that others drive on and they don't pay as much tax as I do. I pay for schools and others attend them and pay little or nothing for the privilege. I pay for the military that defends us all, and it defends many people who don't pay for it. And yes, I am willing to pay more for healthcare for a moral system that doesn't allow the heath ins. companies to make nearly guaranteed profits while their death panels deny coverage to really sick people who need a lot of care. How do you justify that?

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    Re: Florida Blue cutting 300K policies

    Quote Originally Posted by Samhain View Post
    On the exchange, in Ohio, there are 32 plans available for me that range from $444.82/mo to $1,167.42/mo. My current plan is 320/mo and has a better copay, deductible, and out-of-pocket max than the $444 plan.

    I'm eligible for $43 in subsidies.

    When you make one-size-fits-all plans, with mandated coverage options, like maternity care even for single gay men, the cost will go up.

    Also, that "legally forced to give you a refund" amount, if any, will be split between you and the government. Remember, they paid some of the premiums too.
    So they are charging you more. Please do tell me how that effects me. It actually amuses me quite a bit, and you could have had univerrsal health care for all, but you wanted to elect the guys who keep the medical insurance people in business charging you to live. You get what you deserve. Maybe next time we can just get the government health plan that we can vote up or down. Obama was going to give us all free health care and your guys insisted the insurance companies get their cut of socialized medicine.

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    Re: Florida Blue cutting 300K policies

    Quote Originally Posted by jmotivator View Post
    I'm not the one buying into a myth. You seem to think that not being able to afford insurance is better than having insurance that might drop you. You are trying to counter boogiemen with a program that is currently doing exactly what you fear to millions of Americans.
    You are asserting the boogieman argument with no data to support it, because there is no actual experience with how many people had ins. and can no longer afford it. I have heard some rumors to this affect, and I have heard the rumors countered because these people have not gone on the exchange and priced their option. They were quoting a new price from their EXISTING company, not an exchange price. What I have heard on TV is that others looked up the monthly rate on the exchange and it was lower than the people complaining reported they were originally paying.

    This a the reality of the old system, and it is not a myth:
    Researchers from Harvard Medical School say the lack of coverage can be tied to about 45,000 deaths a year in the United States -- a toll that is greater than the number of people who die each year from kidney disease.

    The Harvard study found that people without health insurance had a 40 percent higher risk of death than those with private health insurance -- as a result of being unable to obtain necessary medical care. The risk appears to have increased since 1993, when a similar study found the risk of death was 25 percent greater for the uninsured.
    Because Fox Asked, Here Are Examples Of People Who Were Denied Health Care | Research | Media Matters for America

    I'll wait for your facts.

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    Re: Florida Blue cutting 300K policies

    Quote Originally Posted by tererun View Post
    So they are charging you more. Please do tell me how that effects me. It actually amuses me quite a bit, and you could have had univerrsal health care for all, but you wanted to elect the guys who keep the medical insurance people in business charging you to live. You get what you deserve. Maybe next time we can just get the government health plan that we can vote up or down. Obama was going to give us all free health care and your guys insisted the insurance companies get their cut of socialized medicine.
    You can't possibly believe that.

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