by MaxHerr » Mon Aug 30, 2010 12:54 pm
From one of the health insurance companies I represent on the rules regarding coverage under children-only health policies and being forced to discontinue sales of health insurance policies covering children only:
New federal rules require guaranteed issue (GI) of coverage for individuals under the age of 19 and no corresponding coverage requirement. These conditions have the potential to significantly increase the cost of premiums and make coverage unaffordable.
That, coupled with the fact that the following states have ended sales of policies covering children only on 10-01-2010:
AK, AR, AZ, CA, CO, DC, DE, FL, GA, IL, IN, KS, KY, LA, MI, MO, MS, NC, NE, NV, PA, SC, TN, TX, VA, WV, and WY.
Add to that CT and OH on 11-01-2010, and MD and OK when they decide on their implementation dates, and you have 31 of 50 states that have told insurance companies "No more health insurance policies for children only. If they need coverage, they MUST be added to a parent's policy."
Maybe the parent cannot afford coverage for herself and her child, but knows the value of and is willing to pay for coverage to protect her child alone. No more . . . not under Obamacare in almost 60% of the states on 10-01-2010.
That's your government at work . . . ruining the commercial health insurance industry and America at the same time!
Consider who and what you are voting for in November. Reelect the same idiots who have gotten us into this mess (and others) and you can expect more of the same. Federal - state - local -- the problem is real, and the problem is growing, and it is not just about healthcare.
New federal rules require guaranteed issue (GI) of coverage for individuals under the age of 19 and no corresponding coverage requirement. These conditions have the potential to significantly increase the cost of premiums and make coverage unaffordable.
That, coupled with the fact that the following states have ended sales of policies covering children only on 10-01-2010:
AK, AR, AZ, CA, CO, DC, DE, FL, GA, IL, IN, KS, KY, LA, MI, MO, MS, NC, NE, NV, PA, SC, TN, TX, VA, WV, and WY.
Add to that CT and OH on 11-01-2010, and MD and OK when they decide on their implementation dates, and you have 31 of 50 states that have told insurance companies "No more health insurance policies for children only. If they need coverage, they MUST be added to a parent's policy."
Maybe the parent cannot afford coverage for herself and her child, but knows the value of and is willing to pay for coverage to protect her child alone. No more . . . not under Obamacare in almost 60% of the states on 10-01-2010.
That's your government at work . . . ruining the commercial health insurance industry and America at the same time!
Consider who and what you are voting for in November. Reelect the same idiots who have gotten us into this mess (and others) and you can expect more of the same. Federal - state - local -- the problem is real, and the problem is growing, and it is not just about healthcare.
Posted: Mon Aug 30, 2010 01:05 pm Post Subject:
Just to be clear, it's my government, too. But the persons I voted for did not vote for Obamacare . . . because they were not elected to office. So I must abide by what Congress does.
I don't have to like it, and I don't have to keep quiet about it.
And neither do you.
But . . . if you are eligible to vote and fail to vote . . . you give up your right as an American citizen to remain a part of the debate. It is not about Democrats or Republicans, Peace & Freedom or Green, Libertarian or Independent. It is about making your voice heard through the power of the vote.
Do not fail to send your messages on November 2, 2010.
Posted: Tue Aug 31, 2010 10:28 am Post Subject:
Many of us who didn't foresee these risks are all suffering.. If the health insurance industry gets damaged, then that's also bad for the remaining segments of our insurance industry. I don't see a short way out of this mess...do you see one?
Posted: Tue Aug 31, 2010 09:41 pm Post Subject:
Yes . . . to unwind Obamacare and actually have the government and the insurance industry join forces instead of the adversarial relationship Obama and the Democrats created by trying to portray the insurance industry as the villain in all this.
Without a viable commercial insurance industry, the whole plan is unworkable.
Posted: Wed Sep 01, 2010 05:16 am Post Subject: general
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Posted: Thu Sep 02, 2010 03:47 pm Post Subject:
Ask a question and it will be answered. Try to post in the correct forum for the best response.
Posted: Sat Sep 18, 2010 09:22 am Post Subject: Health insurance
Will more people be hurt than helped? Maybe things would be different if the party of NO joined with the Dems. rather than just be about running the pres. out of office.
When society or business won't take action the Gov. will. Don't blame Pres. Obama blame the industry.
Posted: Tue Sep 21, 2010 05:37 am Post Subject:
I will not dispute the fact that the health insurance industry bears some of the blame for the problems with the cost of healthcare in America, and persons' ability or inability to be insured. But they are not the villains in all this, as Obama and the Democrats made them out to be.
And it's not a Republican vs Democrat issue either, because they're all a bunch of creeps, and they all deserve to be tossed out the next time they come up for reelection -- some are going to learn a lesson in about 6 or 7 weeks, too.
When society or business won't take action the Gov. will.
Well, if you want my opinion, that's your primary error. If you read the Constitution in its original construct, not what we have before us in 2010, the federal government does NOT exist to take action when "society or business" won't. That's the stuff of Marx and Engels.
Frankly, the majority of Americans do not want the government to do everything for us. I don't need the government to give me Social Security or Medicare. If they'd let me have the money, I'd do the right thing with it and be responsible for me. If I run out of money, I'll check out.
But we've developed at least two complete generations of folks in America who now believe they are ENTITLED to just about anything they want, courtesy of the "government" (federal, state, and local). And not only that, we have a President who lets the dictators/leaders of other countries tell us what's wrong with America and how we should conduct our internal affairs.
Last time I looked, although China is gaining momentum, I didn't find any country in the world whose citizens are doing better, on average and on the whole, than most people in America, recession or not.
Truth be told, the primary reason healthcare in America is out of control is that the federal government, by sticking its nose into other people's business, has created Social Security and Medicare, and robbed those programs blind while at the same time expanding benefits without charging more for the "contributions" to fund them.
They "balance" (honestly, you can't even begin to call it that) the equation by paying doctors, hospitals, and other providers less and less real money each year, which causes those same providers to jack up the rates for services they charge those with real insurance to cover the shortfall, which in turn ramps up the premiums for those policies.
So where do Social Security and Medicare stand today? They are facing a combined $87,000,000,000,000 funding shortfall just 65-70 years from today. And Obamacare is broadly patterned after that model. Not after the healthcare plan that members of Congress enjoy.
Think the federal government can manage a national scheme of healthcare insurance WITHOUT the commercial insurance companies? They can't even manage to buy hammers at WalMart for $8, but they can buy hundreds of "manually-operated fastener application impact devices" for $125 each (because a hammer by any other name just has to cost more).
Obamacare spells the death of the healthcare insurance industry, for several reasons. Chief among them (1) unlimited lifetime coverage, (2) no preexisting condition exclusions (3) limit a company's ability to raise rates while imposing an 80% or 85% loss ratio standard (4) a juvenile (at best) belief that by implementing (1), (2), (3), and/or (4) that it will "drive down the cost of health insurance."
Really? Force a company to pay unlimited amounts of money? Force a company to accept persons with limited underwriting? Force a black man to chop cotton for $7.25 per hour? Slavery was abolished nearly 150 years ago.
Insurance companies that cannot make a profit, let alone payout 80% or 85% of premiums as claims will throw in the towel and exit the marketplace -- as natural casualties of the inability to operate profitably. When the last one has turned belly up, the government will find itself in the position of being the single payer for most Americans' healthcare -- what it really wanted.
At that point, the future of America is its history, since there will be no one here who understands it. The second foot will enter the grave and the coffin lid will close tight.
All because some socialist got on his high horse, blamed insurance companies for being profitable, and twisted just enough arms in Congress to pass a crude attempt at healthcare reform in the 11th hour and 59th minute.
What Robin Hood really knew about taking from the rich and giving to the poor, was that the poor eventually become fat and lazy and want even more. Maid Marian wanted something else, and he was happy to oblige.
In the latter day, not only have we become fat and lazy, we can't even tell when we're being screwed.
Posted: Wed Sep 22, 2010 09:57 am Post Subject:
Max, I wish you would tell us how you really feel.
Don't blame Pres. Obama blame the industry.
I would say here is your problem. You need to blame them all. Insurance companies, medical providers, the government (both the Repubs and Dems, attorneys, the general public. Its a big vicious circle with all parties involved. The problem that I have with the health care bill is that it does nothing to hold down health care costs. So in 10 years or in 1 year the government is going to declare that they have to pass more health care reform. They'll put together another junk bill that still won't do what they tell us it will do.
Posted: Wed Sep 22, 2010 01:54 pm Post Subject:
Well Obama care has come in for a lot of flak from every quarter of the society.Is any body really happy with this program except Obama?
Posted: Thu Sep 23, 2010 02:18 am Post Subject:
According to the latest statistics reported on PBS this afternoon (9/22/2010), a whopping 30% approve of the plan. What does that say to Mr. Obama?
This was the wrong approach at the wrong time. The Democrats are going to pay dearly for their pandering to special interests (mostly trade unions) in the summer of 2009, as they ran their scripted "Town Hall" meetings across the country. The people did not want the plan then, and they still don't want it today.
The number of supporters one year ago was not much more than it is today. The "buy-in" Mr. Obama expected has not materialized, and now as the numbers are coming out, and the truth that putting almost all of the financial burden on the insurance companies will have no other effect than to (1) raise premiums in the near term, and (2) cause the companies to exit the market in the longer term, leaving the federal government to manage the crisis it has created.
We know they cannot manage (1) natural disasters, such as Hurricane Katrina, and their aftermath, (2) the war in Afghanistan, (3) illegal immigration, (4) the war on drugs, (5) Social Security and Medicare, (6) the war on poverty, (7) no child left behind, and . . . so what makes anyone think it will be any different with Obamacare when the insurance companies actually start losing money and close up shop instead of going insolvent?
Unless something changes in the near future to undo most/all of the onerous provisions in "the Plan", we are all witness to the beginning of the end of the American way of life as it had been known for 233 years. And you can lay it all at the feet of the socialists who want to put an end to the most successful democracy and free enterprise system the world has ever seen.
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