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Florida Blue cutting 300K policies

Their current insurance sucked. Soon they will have real insurance. The horror.
AlabamaPaul said:
The fact is that individuals have lost their current insurance. Every post not addressing that fact is basically irrelevant and just speculative...
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winston53660 said:
They are canceling because the high risk pool is closing.
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So you're leaving a high risk pool and getting cheaper coverage. That seems logical given the way the program was set up...
 
AlabamaPaul said:
The fact is that individuals have lost their current insurance. Every post not addressing that fact is basically irrelevant and just speculative...
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They have lost nothing. They must simply pick a different plan that meets minimum coverage standards. People change plans all the time. A lot of those that get sick will be very grateful they changed too.
 
Helix said:
moving to UHC doesn't mean innovation is going to halt or that the industry is not going to make money. it does mean, however, that costs will be forced down, which is exactly what needs to happen.
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Less money, less research. You folks seem to think you can slash huge chunks of cash out of an industry that is mainly R&D and not affect R&D.
 
CanadaJohn said:
It sounds like not only forcing everyone to buy a car but also requiring that every car has air conditioning, cruise control, power windows, etc. even if the person doesn't want a car and if they did, they wouldn't want all those extra features. For example, why would a single, healthy male want health insurance that has maternity care and mental health coverage?
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The mental health coverage might be a good idea, CJ, considering what's going on in DC. Not for them, but for us! Anything that helps explain the idiocy we see on a daily basis might be worthwhile! :mrgreen:

Good evening, CJ. :2wave:
 
iguanaman said:
They have lost nothing. They must simply pick a different plan that meets minimum coverage standards. People change plans all the time. A lot of those that get sick will be very grateful they changed too.
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What happened to the promise "If you like your insurance, you will be able to keep your insurance"? There are so many posting with no knowledge of the options, I find the number of experts amazingly high...
 
polgara said:
The mental health coverage might be a good idea, CJ, considering what's going on in DC. Not for them, but for us! Anything that helps explain the idiocy we see on a daily basis might be worthwhile! :mrgreen:

Good evening, CJ. :2wave:
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Good evening Lady P - I wish you a mentally and physically healthy evening and long lifetime too. Like avoiding trips to Africa without the proper vaccinations, be sure any trip you're planning to DC is equally well prepared.
 
AlabamaPaul said:
What happened to the promise "If you like your insurance, you will be able to keep your insurance"? There are so many posting with no knowledge of the options, I find the number of experts amazingly high...
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I don't know whether or not this is true, because I haven't personally checked, but I read today that the Gold, Silver, Platinum, and Bronze plans are all identical...only the deductibles differ. Do you know if that is correct?

Good evening, AP. :2wave:
 
polgara said:
I don't know whether or not this is true, because I haven't personally checked, but I read today that the Gold, Silver, Platinum, and Bronze plans are all identical...only the deductibles differ. Do you know if that is correct?

Good evening, AP. :2wave:
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Good evening pg. From what I understand, not only the deductibles are different, but the co-pays as well...
 
CanadaJohn said:
Good evening Lady P - I wish you a mentally and physically healthy evening and long lifetime too. Like avoiding trips to Africa without the proper vaccinations, be sure any trip you're planning to DC is equally well prepared.
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There's not enough money in the world.....! :mrgreen:
 
jmotivator said:
Less money, less research. You folks seem to think you can slash huge chunks of cash out of an industry that is mainly R&D and not affect R&D.
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we have no choice but to reduce costs. it's simply unsustainable.

as for R&D, i've worked in that field, (product development,) and i currently work in fundamental research. they aren't going to stop innovating. we need to cut their costs, as well, as i outlined in an earlier post.
 
This will impact millions. the "you can keep your insurance" rhetoric was a lie. What they didnt tell you was "you can keep your insurance provided it is what WE tell you you have to have. If not, we will cancel your insurance and you will be forced to purchase our insurance exchanges under threat of penalty from the IRS."

Many people had those policies for decades. They had them, were comfortable with them, they did what they wanted them to do. But...government knows better. Now shut up and get in line and do as you are told.
 
jmotivator said:
Less money, less research. You folks seem to think you can slash huge chunks of cash out of an industry that is mainly R&D and not affect R&D.
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LOL Big Pharma spend more on ads than research. Maybe they should cut down on the Viagra spots.
 
jmotivator said:
Less money, less research. You folks seem to think you can slash huge chunks of cash out of an industry that is mainly R&D and not affect R&D.
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Many (if not most) think the feds do most of the research. I know, it's silly.
 
j-mac said:
And this is just one state....

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This is a disaster that was predicted, and the cancellations are dwarfing the sign ups....Thanks progressives, you are breaking the system. :doh:doh
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I fear this is just the tip of the iceberg my friend.
 
Helix said:
screw those safe auto plans; good riddance.

it's nuts that we didn't just extend medicare to cover everybody. i'm still shaking my head over the abject stupidity of not doing that.
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You do know you pay for medicare right? Who is going to pay for the millions who don't have money?
 
finebead said:
Let's see, you had a policy that was cheap, well, because it was a cheap policy. If you got really sick, like cancer, you could be kicked off that cheap policy. If they didn't kick you off when you got cancer, then the lifetime max would kick in and you wouldn't have health ins. although you desperately needed it. Clearly, you had a cheap policy that did a reasonable job taking care of normal healthcare needs and it failed to take care of major needs. But, since most people are healthy most of the time, most people were dumb and happy about their situation, until they got really sick and they became very unhappy with their crappy situation after they were dropped and couldn't get health insurance anywhere because of the health insurance company death panels that evaluated their illness and denied them coverage due to their pre-existing condition.

Clearly that cheap old policy cannot provide the standard of benefits required by Obamacare (which people need whether their short sighted minds realize it now or not), so the policy must be changed to specify new terms that meet the standard, and at a new rate.

You are guaranteed coverage in the exchange, and that policy will not have a lifetime maximum, and you can't be dropped just because you have or get a serious illness. That's a much better policy.

How is that a bad thing?
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Im sorry but, your interpretation of reality is incorrect. Its not even the issue of pre existing conditions. Lets just assume we all agree there is no issue with that. The problem with the ACA policies is you have to pay for insurance coverage in which youll never use most of them. Some covergaes are only applicable to women and some only applicable to men. Because all policies must be equal now including pre existing conditions. Therefore, people will be forced to buy coverages they cant possibly use hence, the huge increase in premiums! Heres a good new policy rule for you. A women the age of 30 with an income of 36k per year or more will get 0 (ZERO) subsidies. That means a policy increase of at least 64% automatically! Fell free to look up this information for yourself. I guess in a way you cant blame the insurance companies they are providing the policy requirements. And somebody has to pay for the policies they cant give them them away for free! Of the approx 500K enrollments of the ACA, 87 % of those are medicaid! Thats 87% percent not paying one penny for health coverage! There are 300 million+ people in America. You do the math!
 
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VanceMack said:
This will impact millions. the "you can keep your insurance" rhetoric was a lie. What they didnt tell you was "you can keep your insurance provided it is what WE tell you you have to have. If not, we will cancel your insurance and you will be forced to purchase our insurance exchanges under threat of penalty from the IRS."

Many people had those policies for decades. They had them, were comfortable with them, they did what they wanted them to do. But...government knows better. Now shut up and get in line and do as you are told.
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The country is filled with horror stories from people who thought they had good insurance until they got sick. There is nothing worse than "comfortably" paying for a policy for years and loving it only to find that when you get sick, your claims are disallowed and the policy was worthless. Is that what you are ranting about?
Until Obamacare the insurers were full of imaginative ways to part people with their money with little risk, a clause here, and asterisk there and they had a surefire way to up their take. The sad thing is that some would say "buyer beware" and "that will never happen to me". You sound like that kind to me. But Obamacare will protect even you from bankruptcy should you fall ill. That is the way a good Govt. works.
 
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Navy Pride said:
You do know you pay for medicare right? Who is going to pay for the millions who don't have money?
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who is paying for them to get treated at the emergency room right now? individuals and businesses. makes a lot more sense for them to be treated by a primary care physician.

you have to remember, we already have UHC, it is being delivered in the most inefficient way possible, and is being paid for by you and by businesses via premiums.
 
iguanaman said:
The country is filled with horror stories from people who thought they had good insurance until they got sick. There is nothing worse than "comfortably" paying for a policy for years and loving it only to find that when you get sick, your claims are disallowed and the policy was worthless. Is that what you are ranting about?
Until Obamacare the insurers were full of imaginative ways to part people with their money with little risk, a clause here, and asterisk there and they had a surefire way to up their take. The sad thing is that some would say "buyer beware" and "that will never happen to me". You sound like that kind to me. But Obamacare will protect even you from bankruptcy should you fall ill. That is the way a good Govt. works.
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So...you of course believe that the government should tell you what you need.
 
VanceMack said:
So...you of course believe that the government should tell you what you need.
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I really have no problem with the government the FDA ensuring my cuedomin/warfarin is what it is.
 
winston53660 said:
I really have no problem with the government the FDA ensuring my cuedomin/warfarin is what it is.
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not even remotely close comparison to an individual that has carried an insurance policy by choice for decades having it cancelled against their will because the government 'says so'.
 
VanceMack said:
So...you of course believe that the government should tell you what you need.
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Do you trust Gov. Scott of Florida..
Why do you suppose Republican governors of Ohio and Wisconsin have signed their states up for the Medicaid extension??
I liked Kasich referring to the Pearly Gates and what did he do for poor folks with no insurance .
 
VanceMack said:
not even remotely close comparison to an individual that has carried an insurance policy by choice for decades having it cancelled against their will because the government 'says so'.
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Like the drugs the insurance policy should be the same. Both are supposed to do.
 
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