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Thread: Health Insurers Plan Hikes

  1. #31
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    Re: Health Insurers Plan Hikes

    Quote Originally Posted by Harry Guerrilla View Post
    Denying care and limiting coverage is a great way to keep things cheap.
    That's how many of them do it.

    I don't want any part of that.
    Yeah, I'm constantly stunned how nanny-stater, entitlement, big government folks say other countries spend less but fail to mention WHY they spend less. No country, NO COUNTRY, can provide full on-demand healthcare to every citizen. No country has unlimited resources to do that. All countries that have UHC must ration the healthcare in order to stay within a budget.

    No thanks. I'll pay for my own ****. **** the taxing me out the ass bull**** only to deny me what I want/need.

    The only way I'd support UHC in this country is if we can opt out of paying for it when we opt out of using it. I don't want to pay out the ass in taxes for rationed healthcare, only to then have to pay out of pocket too in order to get what I want/need. I'll just pay out of pocket for it all, TYVM, and skip the high taxes and rationing bull****.

  2. #32
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    Re: Health Insurers Plan Hikes

    Quote Originally Posted by Harry Guerrilla View Post
    Denying care and limiting coverage is a great way to keep things cheap.
    That's how many of them do it.

    I don't want any part of that.
    We do that in this country. It's just a private company with a profit margin to consider doing it instead of a government agency with a budget to consider. I don't see either as being inherently better than the other.

    Quote Originally Posted by rivrrat View Post
    Yeah, they wouldn't possibly raise rates in expectation of the influx of high risk people they're forced by the government to provide services for.
    Influx. In three years. Why not wait until 2013 to raise the rates, other than to grab some extra profit right now with a convenient excuse? Either that, or they're banking some profits now to offset expected losses in 2014... but why would they not raise premiums enough to cover their expenses in 2014? That's not a very good business plan.

    Quote Originally Posted by Harry Guerrilla View Post
    Neither a 21 year old nor a 26 year old is a "kid."
    How extremely relevant.
    He touched her over her bra and underpants, she says, and guided her hand to touch him over his underwear
    Quote Originally Posted by Lutherf View Post
    We’ll say what? Something like “nothing happened” ... Yeah, we might say something like that.

  3. #33
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    Re: Health Insurers Plan Hikes

    Quote Originally Posted by opinion8tdwench View Post
    Thousand and thousands of people pay insurance premiums month after month and never use the benefits. This is what insurance is. You pay out, so that if you do need it, you will have it. You might pay 200 dollars a month for 20 years and never file a claim. In fact, except for occasional trips for a flu or what have you, this is how the majority of America goes about. The insurance companies bank on this. They hope that you wont ever need them. They stack the cards in their favor in this. But see..if you go into the insurance business, that is the risk you take. Now, when they are being told they are not allowed to stack the deck in their favor anymore, they whine. I have not seen them handing back refunds to all the many americans who have not filed claims. Yet as soon as it looks like they may end up having to pay out a bit more, they are instantly wanting to increase premiums. And there are those among you who do not see the problem with insurance companies as they stand now?
    Actually, Democrats file claims constantly and call them "annual bonuses".

  4. #34
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    Re: Health Insurers Plan Hikes

    Obama says the insurance companies need to stop blaming Obama care

    Townhall - Gangster Government Stifles Criticism of Obamacare


    There will be zero tolerance for this type of misinformation and unjustified rate increases."

    That sounds like a stern headmistress dressing down some sophomores who have been misbehaving. But it's actually from a letter sent Thursday from Health and Human Services Secretary Kathleen Sebelius to Karen Ignagni, president of America's Health Insurance Plans -- the chief lobbyist for private health insurance companies.

    Sebelius objects to claims by health insurers that they are raising premiums because of increased costs imposed by the Obamacare law passed by Congress last March.

    She acknowledges that many of the law's "key protections" take effect later this month and does not deny that these impose additional costs on insurers. But she says that "according to our analysis and those of some industry and academic experts, any potential premium impact ... will be minimal."

  5. #35
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    Re: Health Insurers Plan Hikes

    Quote Originally Posted by Deuce View Post
    We do that in this country. It's just a private company with a profit margin to consider doing it instead of a government agency with a budget to consider. I don't see either as being inherently better than the other.
    Well for one, we know that the U.S. government denies more people than private insurers do.
    There is no comfort in knowing that unelected bureaucrats will have control over my medical dollars.

    I'm not interested in your utopian solution.
    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

  6. #36
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    Re: Health Insurers Plan Hikes

    Quote Originally Posted by Deuce View Post
    Influx. In three years. Why not wait until 2013 to raise the rates, other than to grab some extra profit right now with a convenient excuse? Either that, or they're banking some profits now to offset expected losses in 2014... but why would they not raise premiums enough to cover their expenses in 2014? That's not a very good business plan.
    Of course they're trying to grab extra profit. Duh. They're about to be slammed with high risk folks they're forced by big government to provide service to. Of course they're going to do their best to offset that increased cost and risk, while turning a profit.

    How the **** is that a bad business plan? ROFL


    Quote Originally Posted by Deuce View Post
    We do that in this country. It's just a private company with a profit margin to consider doing it instead of a government agency with a budget to consider. I don't see either as being inherently better than the other.
    With a private company, I can refuse to use their service and refuse to pay for it. With the government, I'm forced to ****ing pay for it whether I use it or not. And since Govt denies MANY more claims than private companies, I'll take my choice of private companies over big government any day of the week and twice on Sunday. (if I even choose to get insurance at all)
    Last edited by rivrrat; 09-13-10 at 01:56 PM.

  7. #37
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    Re: Health Insurers Plan Hikes

    Quote Originally Posted by Deuce View Post
    Of course, the "pre-existing conditions" changes don't go into effect until 2014.
    Increase in future costs mean increase in current coverage, that's kind of what actuaries and loss prevention specialists do in the insurance field. You don't adjust to increase when it happens when you can help it you adjust before, that is business reality.
    What changes in 2010/2011 are causing this increase?
    See prior point.
    Allowing kids to stay on until 26 instead of 21 couldn't possibly cause a 9% increase in costs.
    First, 18 is the initial age of consent in the U.S. this is when adults can vote, join the military, and enter into legal contracts, the 21 laws for other things like gambling, owning handguns, and drinking are stupid emotional additions in later years that institute full adulthood, this would mean that HG is correct when he appropriately states that 21-26 year olds are not kids. This being said, adding these "kids" to group coverage adds to the amount of people in the pool that MUST BE COVERED, you multiply this by households of 2-3 children of coverage holders and the multiplying factor does in fact add to cost. Math is fun isn't it?
    Neither side in an argument can find the truth when both make an absolute claim on it.

    LMR

  8. #38
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    Re: Health Insurers Plan Hikes

    Quote Originally Posted by Deuce View Post
    We do that in this country. It's just a private company with a profit margin to consider doing it instead of a government agency with a budget to consider. I don't see either as being inherently better than the other.
    Private insurance is contract based. If they deny coverage for something they contracted to cover, you can get relief via the court system.


    Influx. In three years. Why not wait until 2013 to raise the rates, other than to grab some extra profit right now with a convenient excuse? Either that, or they're banking some profits now to offset expected losses in 2014... but why would they not raise premiums enough to cover their expenses in 2014? That's not a very good business plan.

    ....
    You should offer to advise the insurance companies on business, since you understand their business so much better than they do.

    .

  9. #39
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    Re: Health Insurers Plan Hikes

    Quote Originally Posted by TOJ View Post
    Private insurance is contract based. If they deny coverage for something they contracted to cover, you can get relief via the court system.
    Absolutely correct, as well you know what is covered and under what conditions with a private insurer. It's the insurance company's responsibility when denying coverage to prove their case and the physician's responsibility to explain to an underwriter why a procedure was necessary past actuarial conditions of need, but there is recourse. With a UHC system you will get what they deem necessary by how many procedures are allowed and you will like it or not.....like they care you don't have a choice.
    Neither side in an argument can find the truth when both make an absolute claim on it.

    LMR

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    Re: Health Insurers Plan Hikes

    Quote Originally Posted by Harry Guerrilla View Post
    Neither a 21 year old nor a 26 year old is a "kid."
    you have never met my kids have you?

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