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Thread: AARP Raises Costs for Employees' Insurance Plans

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    Re: AARP Raises Costs for Employees' Insurance Plans

    Quote Originally Posted by Boo Radley View Post
    I don't believe that at all. But you need to show it is worse. Showing it doing what it was doing isn't equal to worse.

    I think if you look you'll find that comopanies were dropping insurance, raising rates, and reducing benefits before reform. My premiums dobled and cut benefits over two years ago. I'm not alone. If you need me to do your work on that, I can get you a link when I get back. But you should be able to seek that yourself I should think.
    Enough info has come out that indicates that premiums are going to be higher then they otherwise would have been specifically due to this legislation. You just choose to pretend it doesn't exsit because you believe they're all in on the conspriacy to trick you.

    Would medical inflation have happened without this bill? Absolutely. But this bill is adding additional costs that would not have existed otherwise. But, just close your eyes and put your fingers in your ears.

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    Re: AARP Raises Costs for Employees' Insurance Plans

    Quote Originally Posted by buck View Post
    Enough info has come out that indicates that premiums are going to be higher then they otherwise would have been specifically due to this legislation. You just choose to pretend it doesn't exsit because you believe they're all in on the conspriacy to trick you.

    Would medical inflation have happened without this bill? Absolutely. But this bill is adding additional costs that would not have existed otherwise. But, just close your eyes and put your fingers in your ears.
    I don't believe that, or at least that they should be. I accept that some will use tis as an excuse, but they've been using excuses for decades now. We need something more objective, smoething that shows why having more people on the rolls doesn't cover the added expenditure. I have seen nothing that apporaches the question is this manner. Instead, opponents of the bill use the mere fact that premiums have risen is proof wihtout asking any questions.

    AUSTAN GOOLSBEE: I think the world vests too much power, certainly in the president, probably in Washington in general for its influence on the economy, because most all of the economy has nothing to do with the government.

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    Re: AARP Raises Costs for Employees' Insurance Plans

    Quote Originally Posted by Boo Radley View Post
    I don't believe that, or at least that they should be. I accept that some will use tis as an excuse, but they've been using excuses for decades now. We need something more objective, smoething that shows why having more people on the rolls doesn't cover the added expenditure. I have seen nothing that apporaches the question is this manner. Instead, opponents of the bill use the mere fact that premiums have risen is proof wihtout asking any questions.
    Could it be that the people being added to the roles are not paying for the coverage, yet, rather the individuals already on the rolls are paying for them?

    How in the hell, do you add 30 million people to anything, and expect cost to go down? That seems common sensibly insane to me.

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    Re: AARP Raises Costs for Employees' Insurance Plans

    Quote Originally Posted by j-mac View Post
    Could it be that the people being added to the roles are not paying for the coverage, yet, rather the individuals already on the rolls are paying for them?

    How in the hell, do you add 30 million people to anything, and expect cost to go down? That seems common sensibly insane to me.

    j-mac
    They can't be added until they are. Insurance companies don't pay for anyone who isn't.

    And as those 30 million pay, as far as the insurance companies are concerned, how can that new money not pay for it? Common sense. Coverage isn't free.

    AUSTAN GOOLSBEE: I think the world vests too much power, certainly in the president, probably in Washington in general for its influence on the economy, because most all of the economy has nothing to do with the government.

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    Re: AARP Raises Costs for Employees' Insurance Plans

    Quote Originally Posted by Boo Radley View Post
    They can't be added until they are. Insurance companies don't pay for anyone who isn't.

    And as those 30 million pay, as far as the insurance companies are concerned, how can that new money not pay for it? Common sense. Coverage isn't free.
    How many of that 30 Million will be added to the roles of Medicaid?

    Do you know?


    j-mac
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    Re: AARP Raises Costs for Employees' Insurance Plans

    Come on folks...surely you see how this is all going to work. The plan doesnt truly even kick in til 2014, with the plan being that for some strange reason, the costs really are going to be higher so that the only truly right and effective solution is to eliminate medicare/medicaid, VA hospitals, and ultimately all private insurance as we slide into universal health care by 2018...and not to worry...because YES...it will cost you a ton of taxes, but less than what insurance was costing you...winner all around. Barney Frank is on video as saying this is the only way to get to Universal Health care. Obama is on video as are several other prominent democrats supporting the move to universal health care.

    And no one should be surprised that AARP and other insurance companies will raise their costs and blame Obamacare. They too see the caboose of the gravy train. Gots to get theirs while they can.

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    Re: AARP Raises Costs for Employees' Insurance Plans

    Quote Originally Posted by VanceMack View Post
    And no one should be surprised that AARP and other insurance companies will raise their costs and blame Obamacare. They too see the caboose of the gravy train. Gots to get theirs while they can.
    Obamacare limits the profit an insurance company can make. 85% of the premium dollar must be used on health care. The remaining 15% is for salaries, fighting fraud, profit, etc. So, they can't raise their premiums just to "get theirs".
    Last edited by buck; 11-08-10 at 04:18 PM.

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    Re: AARP Raises Costs for Employees' Insurance Plans

    Quote Originally Posted by buck View Post
    Obamacare limits the profit an insurance company can make. 85% of the premium dollar must be used on health care. The remaining 15% is for salaries, fighting fraud, profit, etc. So, they can't raise their premiums just to "get theirs".
    And you probably believe 'non-profit agencies' are actually 'non-profit'....

    I work with insurance agencies, hospitals, doctors offices, etc. I promise you they have all looked for ways to squeeze out more nickels and justify their costs.

    Or I'm simply wrong...they are being totally honest and legit and yes...Obamacare has already cost them that much more...
    Last edited by VanceMack; 11-08-10 at 05:37 PM.

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    Re: AARP Raises Costs for Employees' Insurance Plans

    Quote Originally Posted by j-mac View Post
    How many of that 30 Million will be added to the roles of Medicaid?

    Do you know?


    j-mac
    For this discussion, it doesn't matter (so don't change the subject). Insurance companies are apid, take premiums, and therefore can't argue they are they are giving anything for free. If they are talking in more people, this adds to their intake. This could more than cover what is being asked of them. Should we take their word, or ask for something more objective as evidence?

    AUSTAN GOOLSBEE: I think the world vests too much power, certainly in the president, probably in Washington in general for its influence on the economy, because most all of the economy has nothing to do with the government.

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    Re: AARP Raises Costs for Employees' Insurance Plans

    Quote Originally Posted by VanceMack View Post
    And you probably believe 'non-profit agencies' are actually 'non-profit'....

    I work with insurance agencies, hospitals, doctors offices, etc. I promise you they have all looked for ways to squeeze out more nickels and justify their costs.

    Or I'm simply wrong...they are being totally honest and legit and yes...Obamacare has already cost them that much more...

    And I work for an insurance company and work closely with agents and insurance agencies (i would expect their commission levels to be reduced BTW). Anyway, now that we've both given our bonafides...

    To justify their costs as health care related, they will have to fall within the specific guidelines as issued by HHS. So far, only draft guidelines have been issued, but soon they will be official.

    At that time, the insurance companies won't have any room to "justify costs". If they do not follow the law (And I guess it's possible an occasional company will not) they will face the consequences.

    Regardless, you're not going to find 100.0% of the iinsurance companies breaking the law in such a manner, which is what you would have to believe in order to think they've all recently and unjustly raised their premiums in response to Obamacare just to "get theirs".
    Last edited by buck; 11-08-10 at 07:22 PM.

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