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Thread: Obama health plan would curb insurers on rate hikes

  1. #11
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    Re: Obama to Urge Oversight of Insurers� Rate Increases

    Quote Originally Posted by Redress View Post
    And that is what they did with antitrust laws...

    And that is what they did with product safety laws...

    And that is what they did with consumer fraud laws...
    Product safety laws was one I was thinking about. The other two are good ones too.
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    This is what I hate about politics the most, it turns people in snobbish egotistical self righteous dicks who allow their political beliefs, partisan attitudes, and 'us vs. them' mentality, to force them to deny reality.

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    See with you around Captain we don't even have to make arguments, as you already know everything .
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    Re: Obama to Urge Oversight of Insurers� Rate Increases

    Quote Originally Posted by CaptainCourtesy View Post
    Product safety laws was one I was thinking about. The other two are good ones too.
    Great minds and stuff.
    We became a great nation not because we are a nation of cynics. We became a great nation because we are a nation of believers - Lindsey Graham

    Quote Originally Posted by Fiddytree View Post
    Uh oh Megyn...your vagina witchcraft is about ready to be exposed.

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    Re: Obama to Urge Oversight of Insurers� Rate Increases

    Quote Originally Posted by obvious Child View Post
    Any industry that makes its money by denying service to those who have paid for such service needs regulation.
    There are many problems with this. One, "regulation" is very general. Should the government enforce contracts between insurers and those who use them? Of course. Two, I find it very unlikely that, however many individual cases you find, money insurers save by denying to pay for things they have promised to pay for is any more than a drop in the bucket. Three, even if what you say is true and insurers make money by denying services, how will regulating their price increases stop that? If anything, it will make them more likely to do so to make up for lost profit. Finally, this will help large insurers stay at the top by reducing competition from small insurers who will be less able to bear the burden this will put on them.

    This proposal suggests the mentality of a third grader. "Insurers are raising prices? Hey, I know, let's tell them not to!" Ugg. The more I think about it the angrier I get.
    Last edited by Dav; 02-22-10 at 05:02 AM.

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    Re: Obama to Urge Oversight of Insurers� Rate Increases

    Quote Originally Posted by Redress View Post
    Great minds and stuff.
    No offense, but it's not exactly being a great mind to decide that because one particular regulation is good, all regulations on anything are good.
    Last edited by Dav; 02-22-10 at 04:48 AM.

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    Re: Obama to Urge Oversight of Insurers� Rate Increases

    Quote Originally Posted by Dav View Post
    No offense, but it's not exactly being a great mind to decide that because one particular regulation is good, all regulations on anything are good.
    Dav, you went the wrong way with this. OP is about a new proposed regulation. Texmaster pipes in with an example of a regulation that did not work great. I list examples of ones that do, to show that just because one does not work does not mean all do. Nowhere did I claim or suggest that examples mean everything is like that, I pointed out that flaw in another person's post. Go back and look at what I quoted, and what my response was, and note the chain of logic.
    We became a great nation not because we are a nation of cynics. We became a great nation because we are a nation of believers - Lindsey Graham

    Quote Originally Posted by Fiddytree View Post
    Uh oh Megyn...your vagina witchcraft is about ready to be exposed.

  6. #16
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    Re: Obama to Urge Oversight of Insurers� Rate Increases

    Quote Originally Posted by obvious Child View Post
    Any industry that makes its money by denying service to those who have paid for such service needs regulation.
    An example of regulated insurance.
    Pay attention to who denies the most claims, it's hilarious.

    "according to the American Medical Association's 2008 National Health Insurer Report Card, "Medicare Denied 6.85% Of Submitted Claims – A Higher Percentage Than Any Private Insurer Sampled By The American Medical Association." Oh and when a private insurance company denies your claim, you at least have legal recourse. Good luck suing the government."

    Stats show private insurers deny fewer claims than Medicare | Washington Examiner
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    Re: Obama to Urge Oversight of Insurers� Rate Increases

    Quote Originally Posted by Harry Guerrilla View Post
    An example of regulated insurance.
    Pay attention to who denies the most claims, it's hilarious.

    "according to the American Medical Association's 2008 National Health Insurer Report Card, "Medicare Denied 6.85% Of Submitted Claims – A Higher Percentage Than Any Private Insurer Sampled By The American Medical Association." Oh and when a private insurance company denies your claim, you at least have legal recourse. Good luck suing the government."

    Stats show private insurers deny fewer claims than Medicare | Washington Examiner
    Percentages are one thing. I would be curious to know the raw numbers... how many folks who receive treatment via Medicare verses how many receive treatment via private insurance. I know in my practice for example, the percentages are probably 20:1 in favor of private insurance. In other places I've worked, the ratio hasn't been quite as pronounced... probably only 8 or 10:1.
    "Never fear. Him is here" - Captain Chaos (Dom DeLuise), Cannonball Run

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    Quote Originally Posted by Wiseone View Post
    This is what I hate about politics the most, it turns people in snobbish egotistical self righteous dicks who allow their political beliefs, partisan attitudes, and 'us vs. them' mentality, to force them to deny reality.

    Quote Originally Posted by Navy Pride View Post
    You can't paint everone with the same brush.......It does not work tht way.


    Quote Originally Posted by Wessexman View Post
    See with you around Captain we don't even have to make arguments, as you already know everything .
    Quote Originally Posted by CriticalThought View Post
    Had you been born elsewhere or at a different time you may very well have chosen a different belief system.
    Quote Originally Posted by ernst barkmann View Post
    It a person has faith they dont need to convince another of it, and when a non believer is not interested in listening to the word of the lord, " you shake the dust from your sandels and move on"

  8. #18
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    Re: Obama to Urge Oversight of Insurers� Rate Increases

    Quote Originally Posted by CaptainCourtesy View Post
    Percentages are one thing. I would be curious to know the raw numbers... how many folks who receive treatment via Medicare verses how many receive treatment via private insurance. I know in my practice for example, the percentages are probably 20:1 in favor of private insurance. In other places I've worked, the ratio hasn't been quite as pronounced... probably only 8 or 10:1.
    Here is what he is referencing.
    I was going to post it but PDA to vBulletin doesn't work so well.

    http://www.ama-assn.org/ama1/pub/upl...ard.pdf#page=5
    I was discovering that life just simply isn't fair and bask in the unsung glory of knowing that each obstacle overcome along the way only adds to the satisfaction in the end. Nothing great, after all, was ever accomplished by anyone sulking in his or her misery.
    —Adam Shepard

  9. #19
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    Re: Obama to Urge Oversight of Insurers� Rate Increases

    Quote Originally Posted by Harry Guerrilla View Post
    Here is what he is referencing.
    I was going to post it but PDA to vBulletin doesn't work so well.

    http://www.ama-assn.org/ama1/pub/upl...ard.pdf#page=5
    Very interesting. There are several that are missing, though, Horizon BCBS, Oxford and Magellan, most notably. It's also interesting to note that when looking at the "remark codes" a lot of them, across the board, are simple paperwork or routing issues.
    "Never fear. Him is here" - Captain Chaos (Dom DeLuise), Cannonball Run

    ====||:-D

    Quote Originally Posted by Wiseone View Post
    This is what I hate about politics the most, it turns people in snobbish egotistical self righteous dicks who allow their political beliefs, partisan attitudes, and 'us vs. them' mentality, to force them to deny reality.

    Quote Originally Posted by Navy Pride View Post
    You can't paint everone with the same brush.......It does not work tht way.


    Quote Originally Posted by Wessexman View Post
    See with you around Captain we don't even have to make arguments, as you already know everything .
    Quote Originally Posted by CriticalThought View Post
    Had you been born elsewhere or at a different time you may very well have chosen a different belief system.
    Quote Originally Posted by ernst barkmann View Post
    It a person has faith they dont need to convince another of it, and when a non believer is not interested in listening to the word of the lord, " you shake the dust from your sandels and move on"

  10. #20
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    Re: Obama to Urge Oversight of Insurers� Rate Increases

    Quote Originally Posted by CaptainCourtesy View Post
    Very interesting. There are several that are missing, though, Horizon BCBS, Oxford and Magellan, most notably. It's also interesting to note that when looking at the "remark codes" a lot of them, across the board, are simple paperwork or routing issues.
    A lot of private rejections are people who don't even have coverage anymore.

    This is something a bit too complicated to attempt price controls with.
    That is very foolish in my opinion.
    I was discovering that life just simply isn't fair and bask in the unsung glory of knowing that each obstacle overcome along the way only adds to the satisfaction in the end. Nothing great, after all, was ever accomplished by anyone sulking in his or her misery.
    —Adam Shepard

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