View Poll Results: Do you agree with the component of HCR that disallows rescission.

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Thread: Question regarding HCR that is now in place?

  1. #11
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    Re: Question regarding HCR that is now in place?


    Well for one thing, it's a life or death industry & I agree with Helix that it shouldn't be for profit. Second, the Indiviual Mandate is designed to require those who feel invincible to join the pool. Thereby raising the number of healthy folks, less likely to make a claim, giving the insurer more $$$$ to carry those with pre-existing conditions & those who become sick while insured.
    Another interesting fact is that unless the Koch Bros. SCOTUS overturns the mandate, the companies will be required to give rebates to thier custoers. The reason is that they made a profit exceding the 20% allowed for opperating & profit.

    Quote Originally Posted by ARealConservative View Post
    preexisting conditions is an entirely different matter, those with higher risks carry a higher premiums.

    Unfortunately, previous meddling in the health care industry exacerbated this problem by shifting the rules and caused employers to be the source of our plans.



    I still don't see any reason to make one industry operate under different rules. There are problems with the courts in that those with deep pockets abuse the system and willfully violate contracts. I would support sensible legislation to handle that issue, but it applies to all industries

    I was so much older then, I'm younger than that now. Bob Dylan

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    Re: Question regarding HCR that is now in place?


    Insurence Companies are not healthcare providers, they are profiteers, middlemen at best. A single payer would reduce costs considerably. Doctors deal with many different Companies, often more than once for one claim. Insurence for homeowners, veicles etc. is fine to be for profit, what price a life.

    Quote Originally Posted by ARealConservative View Post
    who will go to school to become a dr without a profit motive? who invests money on new drug research to break even?

    simply removing profits from insurance companies isn't going to do jack squat either.

    I was so much older then, I'm younger than that now. Bob Dylan

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    Re: Question regarding HCR that is now in place?

    Quote Originally Posted by ARealConservative View Post
    who will go to school to become a dr without a profit motive? who invests money on new drug research to break even?

    simply removing profits from insurance companies isn't going to do jack squat either.
    My OP and the HCR component I referred to has nothing to do with doctors salary except sometimes when the billion dollar private payor industry was allowed to cancel your health insurance policy once you became ill ... the doctors either treat and do not get piad or put the patient to the back burner ... creating a cycle that then burdens the tax payor as those hardworking citizens that paid their premium for 20 years are shut out and use the Emergency Departments.

    How is this so difficult for anyone to comprehend?

    Again, please vote ... does anyone think the component of HCR that finally had some teeth and is now enacted to protect American citizens who are hard working and paid their premiums to have some protection ...yes do you agree with this component or no do you disagree with this component of HCR?

    In fact, I actually understand the components of HCR and thought breaking it down very simply ...with each component separated (as some may agree with some components and disagree with other components) might be more helpful for discussion.

    I detest the bumper sticker sub IQ "Obamacare" of those who cannot intelligently even discuss or know what they are referencing.

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    Re: Question regarding HCR that is now in place?


    Actually Dion, I have a feeling that (baring a another bad decision by SCOTUS) in years to come "ObamaCare" will be a much loved program. JMO

    Quote Originally Posted by Dion View Post
    My OP and the HCR component I referred to has nothing to do with doctors salary except sometimes when the billion dollar private payor industry was allowed to cancel your health insurance policy once you became ill ... the doctors either treat and do not get piad or put the patient to the back burner ... creating a cycle that then burdens the tax payor as those hardworking citizens that paid their premium for 20 years are shut out and use the Emergency Departments.

    How is this so difficult for anyone to comprehend?

    Again, please vote ... does anyone think the component of HCR that finally had some teeth and is now enacted to protect American citizens who are hard working and paid their premiums to have some protection ...yes do you agree with this component or no do you disagree with this component of HCR?

    In fact, I actually understand the components of HCR and thought breaking it down very simply ...with each component separated (as some may agree with some components and disagree with other components) might be more helpful for discussion.

    I detest the bumper sticker sub IQ "Obamacare" of those who cannot intelligently even discuss or know what they are referencing.

    I was so much older then, I'm younger than that now. Bob Dylan

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    Re: Question regarding HCR that is now in place?

    Quote Originally Posted by jpevans View Post

    Insurence Companies are not healthcare providers, they are profiteers, middlemen at best. A single payer would reduce costs considerably. Doctors deal with many different Companies, often more than once for one claim. Insurence for homeowners, veicles etc. is fine to be for profit, what price a life.
    Bravo!

    I am healthcare provider ... the far right hacks (Fox news fed by the profiteers) has reframed the profiteers somehow as "health providers" as the expense of American citizens and even our economy.

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    Re: Question regarding HCR that is now in place?

    Quote Originally Posted by jpevans View Post

    Well for one thing, it's a life or death industry & I agree with Helix that it shouldn't be for profit.
    i'm not for removing the profit motive. however, i think there should be a non-profit entity providing basic coverage. additionally, health insurance should be in no way tied to one's employer. that is one of the worst parts of our system.

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    Re: Question regarding HCR that is now in place?

    Quote Originally Posted by jpevans View Post
    [SIZE=3]A single payer would reduce costs considerably.
    no it won't because people still won't price shop in the health care market. Without that critical component, prices will continue to escalate.

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    Re: Question regarding HCR that is now in place?


    What is the critical component? Stock holders? Multi Millionaires CEO's? Actual healtcare providers having to deal with multible Insurence Companies, who refuse to pay two, three times before the claim is finally paid? What exactly?

    Quote Originally Posted by ARealConservative View Post
    no it won't because people still won't price shop in the health care market. Without that critical component, prices will continue to escalate.

    I was so much older then, I'm younger than that now. Bob Dylan

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    Re: Question regarding HCR that is now in place?

    I'm not sure about the constitutionality question.

    As for canceling insurance policies, I would think it likely that it's related to one of several factors. Fraudulent information on application, meeting cap limits, or other reasons that are justifiably legal. Otherwise, I would think that insurance companies would be getting sued frequently with the plaintiffs winning the lawsuits. It would depend on what the contract stated, and doesn't necessarily imply that the insurer is unjustly dropping their clients.

    As to the "billions" of dollars being made by insurers, the health insurance has a relatively low profit margin compared to many other industries, so I'm not sure that it really has anything to do with some sort of accusation that they are unfairly profiting.
    "God is the name by which I designate all things which cross my path violently and recklessly, all things which alter my plans and intentions, and change the course of my life, for better or for worse."
    -C G Jung

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    Re: Question regarding HCR that is now in place?

    Quote Originally Posted by jpevans View Post

    What is the critical component? Stock holders? Multi Millionaires CEO's? Actual healtcare providers having to deal with multible Insurence Companies, who refuse to pay two, three times before the claim is finally paid? What exactly?
    I stated exactly what the critical component was in sentence one: price shopping. Without it no significant downward pressure exists on prices.

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