Got this email today from my insurance agent - Page 2 - Chevelle Tech
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post #16 of 45 (permalink) Old Sep 21st, 17, 10:47 AM
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Re: Got this email today from my insurance agent

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Bow, out, as you are wrong about causality. ACA was a pimple on a rats ass as regards cost containment, in fact, it allowed insurers to raise prices to a certain "payout" level. It did NOTHING but make treatments and visits more expensive due to added bureaucracy, if nothing else. Added a few protections, but yet, a pimple on a rats ass when it came to the inflation of HC costs, in fact accelerated them. Another legislative FAIL - as since when have they got anything right?
Spot on to a tee. Our clinic had to hire an extra nurse for every Dr just to get through the damn preapprovals. Cant hire anyone that doesn't know medical jargon, other wise you will never get through the hoops.
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post #17 of 45 (permalink) Old Sep 21st, 17, 10:55 AM
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Re: Got this email today from my insurance agent

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The same bureaucracy that can't manage the post office or social security was going to fix and manage Healthcare? The libs cry is everyone has "access". That's an illusion because they can't afford it. I'm at ground zero on this issue and have been dealing with it for 30 years. It's a train wreck waiting for the caboose to crash.

One thing here needs separated; healthcare and health insurance.

Everyone has always had access to healthcare, always had always will(hopefully)

It was the elective of insurance that people had a choice or possibly a rider for preexisting.

otherwise i fully agree
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post #18 of 45 (permalink) Old Sep 21st, 17, 11:25 AM
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Re: Got this email today from my insurance agent

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Originally Posted by BB68 View Post
One thing here needs separated; healthcare and health insurance.

Everyone has always had access to healthcare, always had always will(hopefully)
You are correct from my perspective. I'd add that the increasing cost of providing heath care has an almost direct relationship to insurance costs (premiums, deductibles, copays, and coinsurance). It's difficult to know what Congress is considering now; is it insurance coverage or cost of health care or both? Seems the focus is on insurance & Medicaid - paying the costs rather than controlling costs.

The most vocal issue with ACA is the Government's (The People) increased cost to subsidize insurance premiums for low incomes and expanded Medicaid. Either you like that or don't. Whatever side your on with that issue won't affect the increasing cost of healt care.

Mike

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post #19 of 45 (permalink) Old Sep 21st, 17, 12:12 PM
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Re: Got this email today from my insurance agent

My $0.02 on the matter (which I'm sure will make for an interesting discussion) is that I agree, everyone already has access to health care at some level, whether you have insurance or not.

Given that those without insurance that can't pay for it still get care at some level, that gets paid for by someone (say, the hospital they get service at.) The hospital has to get the money from somewhere, and that somewhere is from people they service who do pay their bills, either directly or through insurance.

Now, if that somewhere didn't have to cover the extra costs of the someones who don't pay their bills, those that do pay their bills would have smaller bills (again, ignore the for-profit greedy pigs at the hospitals, assume the system is working properly. )

Thus, in my mind, I'm already subsidizing those without insurance and/or that can't/don't pay their bills through my higher bills. And these usually come down as more expensive triage/catastrophic type environments because people go to the emergency room for a cold, etc.

So, in my mind, in order to keep more of my own money, I would rather subsidize people that can't afford to insurance or pay their health care bills with proactive health insurance that helps keep them healthier, in less catastrophic environments, which (again, if the system was working properly) should reduce my costs as well because I'm subsidizing care in a cheaper preventative environment instead of subsidizing care in a more expensive catastrophic environment.

Again, my $0.02, and if the system worked properly. yeah, yeah, yeah, health care utopia, not gonna happen...
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post #20 of 45 (permalink) Old Sep 21st, 17, 2:03 PM
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Re: Got this email today from my insurance agent

Well now I have medicare finally and I find that it works great. I don't have a doctor, I have a Nurse Practitioner. She is smart, young in early 30s and beautiful. If I have a need for a doctor then she sets up an appointment to see a specialist. The Health Clinic I go to accepts medicare as 100% payment. I would imagine that this would work for a single payer system for all.

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post #21 of 45 (permalink) Old Sep 21st, 17, 2:39 PM
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Re: Got this email today from my insurance agent

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Originally Posted by Pete 67 View Post
Sorry, not buying it. Medical insurance deductibles didn't exist for anyone with decent insurance before this bullspit ACA. Prescription costs were bad, but not this bad before the government "fixed" healthcare.

Nobody was paying $2500 a month 10 years ago to cover 2 people unless they tried to sign up after being diagnosed with a major illness. And in most cases like that you would have probably been eligible for Medicaid.

This is so out of control, it's disgusting. Shameful, actually.
quoted from Time who i don't think anyone has claimed is fake news yet. Don't confuse your contribution with what it costs.
I do agree its out of control and the rest. In the last few years insurance companies have jacked up emergency room copays so people don't go. They go to those clinic things which are BOOMING in business. Wonder who owns all of those things?

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post #22 of 45 (permalink) Old Sep 21st, 17, 2:50 PM
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Re: Got this email today from my insurance agent

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Originally Posted by Randy Mosier View Post
The blame is justified because no one seems to be able to find the "affordable" in the Affordable Care Act. Last year year I had to look into Obamacare for my granddaughter when her Chips Medicaid coverage lapsed thanks to someone at the children's medicaid office not doing their job. (I sent all the forms they gave and provided everything they asked for.) The best price was $840 a month. She is healthy eight your old. I don't have that kind of money to kick around every month. A wealthy liberal elitist might. I don't. I had to spend the next six days and countless hours on the phone to get her Chips coverage reinstated. Finally found someone who admitted they dropped the ball.
I totally agree with that statement regarding the affordable. I do think it has some good parts like allowing kids to stay until 20somthing. But the costs did not pan out. Its cheaper then COBRA but not the couple hundred a month people expected. Thank god i'm employed and have insurance for me and my kids. Buddy had a tripple bypass 7 years ago. No insurance. His bill was 800 grand and climbing. He had to sell everything and claim bankruptcy. Every time i go to a hospital and see how nice marble they have on the walls and all the other crap i just see dollar signs. The drug companies are on that gravy train as well. yea they need money to make more and discover more but come on. When their ceo's and cfo's are getting 20 million in just a bonus something is wrong. Just like wall street screwing us this is just the next wave.

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post #23 of 45 (permalink) Old Sep 21st, 17, 2:55 PM
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Re: Got this email today from my insurance agent

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Originally Posted by Pete 67 View Post
Not sure where I can read the Kaiser study(not sure I want to either), but I'm skeptical given the fact they're an Insurance company with much to gain by skewing the truth. Frankly I wouldn't go into it with an open mind, because I outright don't believe it.

Shane nailed it earlier up-thread; the insurance companies wrote the ACA with one thing in mind, profits. They couldn't care less about providing quality healthcare options to the masses.

I mean no disrespect to you or Kaizen, Mike. It's simply something I think we're all being hoodwinked on & we're all powerless to stop.

With that said, I will gracefully bow out of this thread before it becomes a CE topic.
and i pull you right back in lol. I definitley think there are not a lot of open minds on this topic which is one of the huge issues. We are defintely powerless to the beauracracy and the big business. I just scratch my head why other countries can have free health care and we struggle so much.
As for CE......some things can be discussed if people don't start calling names. We are all affected by this problem no matter what side of the isle you are on.

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post #24 of 45 (permalink) Old Sep 21st, 17, 3:37 PM
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Re: Got this email today from my insurance agent

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Originally Posted by BB68 View Post
One thing here needs separated; healthcare and health insurance.

Everyone has always had access to healthcare, always had always will(hopefully)

It was the elective of insurance that people had a choice or possibly a rider for preexisting.

otherwise i fully agree
Healthcare can't be separated from health insurance. Insurance is what has removed market forces from healthcare and caused it to be as expensive as it is. That's the problem. People have been conditioned not to participate in the financial effects of their choices. Medicare is the foundation upon which rates are set.

Mencken: “The whole aim of practical politics is to keep the populace alarmed by menacing it with an endless series of hobgoblins, all of them imaginary.”
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post #25 of 45 (permalink) Old Sep 21st, 17, 4:08 PM
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Re: Got this email today from my insurance agent

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Originally Posted by fishhead View Post
No kidding, they had the insurance companies write the thing...
Yep, by requiring everyone to purchase insurance, they messed up the supply and demand competition. Now that everyone is forced, they can charge whatever they want for any reason they want.
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post #26 of 45 (permalink) Old Sep 21st, 17, 4:28 PM
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Re: Got this email today from my insurance agent

Prices for anything and everything go through the roof the moment the government becomes involved. Insurance companies, hospitals and clinics realized quickly that they can gouge the nameless and faceless taxpayer, you know, the guy who pays the bills. Work hard, live responsibly, make sound choices and obey the law and what do you get...you get used and abused by the government and by those who refuse to work, who live irresponsibly, who make poor choices and who commit criminal acts. Shame on those we have elected to represent us.
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post #27 of 45 (permalink) Old Sep 21st, 17, 4:34 PM
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Re: Got this email today from my insurance agent

There are two things in this country that are increasing in cost faster than anything else: education and healthcare. It has been that way for decades. I remember sitting in a meeting at work where it was explained that the rising cost of health insurance might make the company drop it altogether. That was 1992 and nothing has changed since. It is a vital product and they charge whatever they want for it.
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post #28 of 45 (permalink) Old Sep 21st, 17, 5:04 PM
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Re: Got this email today from my insurance agent

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Originally Posted by Saltherring View Post
Prices for anything and everything go through the roof the moment the government becomes involved. Insurance companies, hospitals and clinics realized quickly that they can gouge the nameless and faceless taxpayer, you know, the guy who pays the bills. Work hard, live responsibly, make sound choices and obey the law and what do you get...you get used and abused by the government and by those who refuse to work, who live irresponsibly, who make poor choices and who commit criminal acts. Shame on those we have elected to represent us.
yes every time the goverment gets involved its snafu
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post #29 of 45 (permalink) Old Sep 21st, 17, 5:26 PM
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Re: Got this email today from my insurance agent

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Originally Posted by Kaizen View Post
I just scratch my head why other countries can have free health care and we struggle so much.
Look at the percentage of GDP that Healthcare consumes in this country versus the rest of the world. Then look at it on a per person basis. There is too much reform required that will NEVER occur without a market approach to the cost of Healthcare OR a new single-payer system is developed to arbitrarily wring the cost out.

This chart is old but representative of the problem.


more information here and I encourage anyone to look at more detail:
https://data.worldbank.org/indicator...014&start=1995

Who has the best system in the world and what do they spend per capita?


We are being screwed by the government, insurance and health care providers.

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post #30 of 45 (permalink) Old Sep 21st, 17, 5:50 PM
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Re: Got this email today from my insurance agent

I can understand the government bashing yet it was government mandate that forced the automakers to meet certain emissions standards while improving mileage. From all this we now have cars getting 50+ miles per gallon with electrics moving forward and factory cars with 700 hp and lasting a couple hundred thousand miles. It's kinda hard to argue against that.

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