Got this email today from my insurance agent - Page 3 - Chevelle Tech
Bench Racing Stories, cruising and more.

 42Likes
Reply
 
LinkBack Thread Tools Search this Thread Display Modes
post #31 of 45 (permalink) Old Sep 21st, 17, 5:57 PM
Senior Tech Team
 
Join Date: May 1999
Location: Atlanta
Posts: 5,103
Re: Got this email today from my insurance agent

Quote:
Originally Posted by BillsCamino View Post
HELL YES !!!!!!!!!!!!

Not eligible for ObamyCare...we pay $2500/month for BC/BS.
Thankfully I get to fire them Oct. 1st...when I turn 65 next month.
Same situation here when I was looking for private coverage after having had cancer. I got private coverage but it was HUGE $$$... the same thing you talk about. My observation is that, as you will likely soon see, when I went to Medicare every thing works as smoothly as S--t thru a tin horn. Medicare is, like it or not, a single payer system by another name for those over 65. I am no fan of big government, not by a long shot but honestly from my experience Medicare works...period end of sentence. All the haters of single payer systems need to ask themselves..."If I am dying to get to Medicare age and if medicare is a single payer system then why is there such vociferous resistance to single payer systems for everyone." Everyone hates the insurance companies and they are the ones who get killed in a single payer world but SO WHAT? As long as the Doctor supply is not impacted by single payer "F" the insurance companies.

My Doc, who I absolutely will not leave, unless she dies, takes medicare patients. Staying with her is a very important to me. When I needed a surgeon for my cancer I asked one Doc "Do you take medicare?" because I was thinking that I might be starting a long term relationship with whatever Doc I hired for the surgery. Answer from the surgeon: "Absolutely...I would be out of business if I refused medicare".

O-Care is a disaster because it tried to be everything to everyone and that never works...for example unlimited lifetime payouts were insane as were many other things. I am not gonna go down that rabbit hole in this discussion. Suffice to say: Medicare works and there has to be a viable / workable system that can be built on that model. The issue I see is that IF we ever went to a single payer system the insurance companies are reduced to just clerical staff handling claims and payout of checks in the amount the government allows for Procedure X or Procedure Y. While that might not be a bad idea for the consumer it ain't never gonna happen. There is no profit incentive for the insurance grifters just like there is no profit built into the Medicare model where the gov't processes claims and pays the Docs. There will also be fallout in terms of who wants to be a Doctor and what Doctors actually stay doctoring if the gov't sets all the fees.

It is a mess. I must say I hope to live long enough to not hear "Obamacare" everyday and not hear how the Government is flailing around with this issue up in DC.
oman is offline  
Sponsored Links
Advertisement
 
post #32 of 45 (permalink) Old Sep 21st, 17, 6:44 PM
Gold Founding Member
 
Join Date: Aug 1998
Location: 30.1298228, -97.9771166
Posts: 6,548
Garage
Re: Got this email today from my insurance agent

Quote:
Originally Posted by pizzi-man View Post
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.
Not remotely the same. Most people feel like the automakers were responsible for inefficient cars and the EPA righted a wrong. The EPA also didn't have to live with its mandates. The government is going to live or die based upon how this works out. Here, everyone is affected personally.
Saltherring likes this.

Quote:
Originally Posted by Jordan Peterson
The motivation that drives the commission of the worst human atrocities is an inevitable social consequence of the refusal of the self conscience individual to make the sacrifices appropriate to establishing a harmonious life and their consequent degeneration into a kind of murderous and resentment filled rage propagating endlessly through its variations in society until everything comes to an end.
Alan F is offline  
post #33 of 45 (permalink) Old Sep 21st, 17, 8:24 PM
Senior Tech Team
 
Join Date: Apr 2001
Location: Warwick,RI,USA
Posts: 6,232
Re: Got this email today from my insurance agent

Quote:
Originally Posted by HKalin View Post
We were better off before all this ObamaCare crap. I still say the insurance companies are milking this for as much as they can get out of you.
Milk it? Who do you think wrote the legislation? I'd like to have a business where the government makes a law that says everyone has to buy my product!

Jeff

`You can't beat City Hall, but you can piss on the steps."
jpete is offline  
post #34 of 45 (permalink) Old Sep 22nd, 17, 12:54 AM
Team Member
Mike
 
Join Date: Mar 2006
Location: Sacramento, CA
Posts: 1,314
Re: Got this email today from my insurance agent

Quote:
Originally Posted by oman View Post
Everyone hates the insurance companies and they are the ones who get killed in a single payer world but SO WHAT? As long as the Doctor supply is not impacted by single payer "F" the insurance companies..
Commercial insurance companies play a large part in the Medicare program: Part B Supplement, Part C, and Part D. It's not as big as the non-Medicare market, but premiums and copays can amount to a significant portion of retirement income, especially if you take a Tier 6 drug. Then there is the day and lifetime limits on hospital stays on Part A ????

Mike

To view links or images in signatures your post count must be 0 or greater. You currently have 0 posts.


To view links or images in signatures your post count must be 0 or greater. You currently have 0 posts.
MikeMalibu is offline  
post #35 of 45 (permalink) Old Sep 22nd, 17, 9:12 AM
Lifetime Premium Member
Craig
 
Join Date: Oct 2008
Location: South East Michigan
Posts: 383
Re: Got this email today from my insurance agent

To you expanded Medicare (single payer) proponents. Your experience at the doctors office may have been positive, but you do realize that the current system has approx. 70 - 100 Trillion (yes, with a T) in unfunded liabilities, correct? Who do you think is going to pay those costs? Add to that, the fact that only ~ 50% of the people are paying taxes, and that cost per person is huge. Call me any name you want, but we don't need a single payer system. Healthcare insurance should be handled like car insurance. If you take care of yourself (i.e. No smoking, Not Overweight, watch what you eat, etc.) then your premiums should reflect that good behavior. If you chose to live life to the fullest, then you should pay the price. I'm OK with a small government program to help the old and handicapted, but the rest should be managed privately. Insurance is meant to handle the catastrophic or significant events, not the everyday costs. Remember that Bernie Sanders (the current Democratic proponent of a single payer system), in 2011, pointed to Venezuela as the shining example of a socialistic government or utopia. Today they're rationing toilet paper, people can't find food and the rate of inflation is over 800%. My advice to all is to do your homework and be careful what you wish for. There are no free rides and healthcare is a personal responsibility.
Craig
Alan F and davewho1 like this.
craigs66 is online now  
post #36 of 45 (permalink) Old Sep 22nd, 17, 11:40 AM
Lifetime Premium Member
 
Join Date: Jan 2006
Location: Brisbane California
Posts: 903
Re: Got this email today from my insurance agent

"Healthcare insurance should be handled like car insurance. If you take care of yourself (i.e. No smoking, Not Overweight, watch what you eat, etc.) then your premiums should reflect that good behavior. If you chose to live life to the fullest, then you should pay."

This is B S as you can quit driving and not pay insurance. Unless you're saying that we all can quit living. You also over simplify living healthy. Everyone's body is different and I've had friends I grew up with that were fit and healthy that died at early ages.
Name me just 1 industrialized country that doesn't have nationalized healthcare besides the U S.
"Add to that, the fact that only ~ 50% of the people are paying taxes" Are you also accounting for the Corporations that pay no taxes? Those that put their wealth in trust or those that put their moneys in off shore accounts that avoid taxes or are you just targeting the people that don't make enough money to live on.
A national sales tax would pay for any cost of a single payer system and would be the fairest way that would affect everyone the same from the rich to the poor. You buy, you pay.

Bottom line is that Insurance is not the answer. My automobile insurance never goes down and I haven't had a ticket or accident in 30 years. Health insurance will never go down either.
I don't really have a stake in this as I am covered by medicare but I am thinking of the future generations.
I also spent the last 20 years before medicare paying out of pocket for my doctors visits, that because of my thyroid disorder meant 3 times a year with lab test. It was cheaper then the insurance. Doctors visit $200.00 X 3 = $600.00. Lab test $150 X 3 = $450.00 for a total of $1050.00 per year yet health insurance was $400.00 per month X 12 = $4800.00 with a $2000.00
deductible.

Sorry for the rant,
it just boils me about the insurance industry. I have a small business and I pay thousands upon thousands in insurance every year just to insure everyone else

Don Pizzi
66 el camino LT1
pizzi-man is offline  
post #37 of 45 (permalink) Old Sep 22nd, 17, 10:01 PM
Senior Tech Team
 
Join Date: Apr 2001
Location: Warwick,RI,USA
Posts: 6,232
Re: Got this email today from my insurance agent

Don't believe anything Kaiser says. THEY are the reason we are in this mess starting with the 1974 HMO Act.

Jeff

`You can't beat City Hall, but you can piss on the steps."
jpete is offline  
post #38 of 45 (permalink) Old Sep 23rd, 17, 2:12 AM
Tech Team
David
 
Join Date: Jan 2017
Location: S/E AZ
Posts: 209
Garage
Re: Got this email today from my insurance agent

Kaisen said:"You guys blaming affordable care act for everything is small sighted." Really?!? Are you F'n kiddin me? Obozo's Man-bitch, Gruber, who basically wrote Oblammo-care, said the American people were too stupid to understand it- are YOU one of those people? You are one of the few who supposedly "like" it, in spite of all the evidence that it's truly a POS, designed to fail in order to usher in Single-Payer" Ins. The Gooberment will do a fine job running it, like everything else they touch, right? So don't be arrogant, with your condescending BS. (rant over)
sevt_chevelle likes this.

Dave
Brownd3max is offline  
post #39 of 45 (permalink) Old Sep 23rd, 17, 6:08 AM
Senior Tech Team
 
Join Date: Oct 1999
Location: Sin City
Posts: 4,932
Re: Got this email today from my insurance agent

Quote:
Originally Posted by 427L88 View Post
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?
Not sure I get your reply, Gene. On one hand you're saying I'm misplacing blame, but you end your post saying it's another government fail. Aren't we agreeing on the same premise?

Whatever the cause, those scumbag lobbyists surely had no problem convincing our elected officials to let this happen. They surely don't care. They get free healthcare for life...which we pay for, whether we like it or not.

64 2 door Wagon Build thread

To view links or images in signatures your post count must be 0 or greater. You currently have 0 posts.


67 2 door Sedan LS1 T56

To view links or images in signatures your post count must be 0 or greater. You currently have 0 posts.
Pete 67 is offline  
post #40 of 45 (permalink) Old Sep 23rd, 17, 11:18 AM
Gold Founding Member
 
Join Date: Aug 1998
Location: 30.1298228, -97.9771166
Posts: 6,548
Garage
Re: Got this email today from my insurance agent

Insurance is the bane of healthcare under the way that it is being used. People consume healthcare everyday and those ordinary type expenses in my mind are not insurable events. Things that are insurable are like broken bones and heart attacks. I'd go 100% on checkups with the goal of making everyone healthier and making them familiar with how the system will handle them. You need daily Rxs to modulate yourself, not insured. You need daily Rxs to ensure you live - insured. There has to be a genuine discourse about "elective" medicine. Insurance should be limited to conditions that are unexpected and life threatening.

Some people spend healthcare dollars based upon professionals' recommendation. For example I get a checkup. I have ringing in my ears. Instead of the GP/primary care counseling me, I get a referral to another professional and a whole other set of fees. I go to the visit and they confirm there's nothing can be done. I complain about my stools and get referred to another specialist. Get advised to have a specialized procedure. All this is compounding fees and the insurance makes more money by spending money.

I can't stress enough how insurance his perverted our healthcare habits. There's plenty of money in healthcare system. Problem is who needs to make money off of it.

Quote:
Originally Posted by Jordan Peterson
The motivation that drives the commission of the worst human atrocities is an inevitable social consequence of the refusal of the self conscience individual to make the sacrifices appropriate to establishing a harmonious life and their consequent degeneration into a kind of murderous and resentment filled rage propagating endlessly through its variations in society until everything comes to an end.
Alan F is offline  
post #41 of 45 (permalink) Old Sep 23rd, 17, 12:47 PM
Gold Founding Member
"Wild Bill"
 
Join Date: Feb 2000
Location: Marietta, GA 30066
Posts: 27,728
Send a message via AIM to BillsCamino
Re: Got this email today from my insurance agent

Three days in the hospital due to ruptured appendix...cost $38K+ and still over $900 out of my pocket
Still pumping air...priceless

1967 Camaro SS-Gen I
2017 Camaro RS-Gen VI
2019 Cadillac XT5 AWD
1990 Ford F150 XLT Lariat


To view links or images in signatures your post count must be 0 or greater. You currently have 0 posts.


My Super Heros don't wear a cape...they wear Dog Tags!!
BillsCamino is offline  
post #42 of 45 (permalink) Old Sep 23rd, 17, 1:22 PM
Lifetime Premium Member
Dan
 
Join Date: Aug 2007
Location: orange county
Posts: 10,189
Re: Got this email today from my insurance agent

Funny, I received a letter yesterday from State Farm stating that rates are going up on Auto Insurance due to the fact that people are driving more due to cheaper fuel along with the fact that there are more drivers and their distracted driving is causing more accidents.
I'm fairly confident they are trying to make excuses to cover the cost created by the recent storms in the south and east.
Collusion at it's finest.

'66 SS Chevelle
91 octane special
first day out
[email protected]
Stokerboats is offline  
post #43 of 45 (permalink) Old Sep 24th, 17, 3:25 PM
Lifetime Premium Member
Shane
 
Join Date: Oct 2006
Location: N.E.Pennsylvania
Posts: 6,934
Re: Got this email today from my insurance agent

Quote:
Originally Posted by pizzi-man View Post
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.
Yep...and now we have .ppm of plastic in every glass of water you drink, we make cheaper, plastic, and it becomes islands in the ocean.


To view links or images in signatures your post count must be 0 or greater. You currently have 0 posts.

New oil is cheaper than new parts
To view links or images in signatures your post count must be 0 or greater. You currently have 0 posts.
fishhead is offline  
post #44 of 45 (permalink) Old Sep 25th, 17, 6:32 AM
Senior Tech Team
 
Join Date: Dec 2000
Location: North Coast, Ohio, USA
Posts: 1,760
Re: Got this email today from my insurance agent

Quote:
Originally Posted by Alan F View Post
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.
Insurance companies are bleeding us! Wait until both your house and auto insurance skyrocket due to the hurricanes and floods so that they can "maintain their profits". Why does everyone ignore the cost associated with all of the insurance advertising, paper, TV, radio, not to forget the CEO's multimillion salaries, etc. That's where a significant amount of the so called health care $$ go. Where is the study to identify what these costs are - they don't want you to know and the politicians in their back pockets will not call for the true cost breakdown to be known. I'm sure it would make us all sick.
zookpr is online now  
post #45 of 45 (permalink) Old Sep 25th, 17, 11:04 PM
Lifetime Premium Member
Mike
 
Join Date: May 2005
Location: SPRING, TEXAS
Posts: 1,023
Garage
Re: Got this email today from my insurance agent

Quote:
Originally Posted by Alan F View Post
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.
Previous administrations, with paid endorsements from the PACs( call it what it is, pay to play, they all did it) lobbied to get doctors from providing services in their offices and remanded them to outpatient services in hospitals or all these "new emergency" centers. A simple stress test under trained technicians must use these outpatient centers.. now how to pay for them?
Ohhh we raise the hell out of the procedure cost , call it reduced risk under HIPPA guidelines, increase the cost to the patient ! We suck the system dry! Of course, YOU ARE THE SYSTEM, the one who makes the money for it...
I totally agree insurance does this crap, blatantly fudging the numbers " to give you the best deal" by giving you all these cost codes and showing how they saved you money..

Stress test at doctors office was. 300.00, while the "new safer protocols " was 1100.00, my cost......talk about a pretest ! Got my BP up.. didn't get it as , well, I couldn't afford it..and I have insurance..

What they want is us to die off quicker... bankruptcy is the new down payment for medical care...
sorry rant off. We let them screw the pooch to take away choice and now we find out the pooch was US! WOOF,!


To view links or images in signatures your post count must be 0 or greater. You currently have 0 posts.

I'm the Haught guy.......
2004 GMC Pickemup-
1972 Chevelle...
2015 Hyundai Santa Fe GLS Ultimate
2001 BMW K1200 LT (Sally Ride)

Whatever doesn't kill me, Better RUN!!
haughty is offline  
Sponsored Links
Advertisement
 
Reply

Quick Reply
Message:
Options

Register Now



In order to be able to post messages on the Chevelle Tech forums, you must first register.
Please enter your desired user name, your email address and other required details in the form below.

User Name:
Password
Please enter a password for your user account. Note that passwords are case-sensitive.

Password:


Confirm Password:
Email Address
Please enter a valid email address. Note, you will be sent a confirmation request to this address.

Email Address:
OR

Log-in









Old Thread Warning
This Thread is more than 874 days old. It is very likely that it does not need any further discussion and thus bumping it serves no purpose.
If you still feel it is necessary to make a new reply, you can still do so though.

Thread Tools Search this Thread
Show Printable Version Show Printable Version
Email this Page Email this Page
Search this Thread:

Advanced Search
Display Modes
Linear Mode Linear Mode



Posting Rules  
You may post new threads
You may post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are On
Pingbacks are On
Refbacks are On

 
For the best viewing experience please update your browser to Google Chrome