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Just got my BCBS notification letter.....
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Kaplony Offline
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Post: #21
RE: Just got my BCBS notification letter.....
(11-16-2014 03:27 PM)Fo Shizzle Wrote:  
(11-16-2014 03:19 PM)Hambone10 Wrote:  
(11-16-2014 02:33 PM)Tom in Lazybrook Wrote:  For comparison purposes, a 40 year old with Type 1 Diabetes faced an annual premium + deductible cost of 11,550 per year on the GOP Texas "High Risk" Pool. Thats for 1 person. No other insurance available. And my premiums went up 20 to 30 percent per year for about a decade. I can vote for a new government. I cannot vote for a new health insurance CEO in a oligopolistic/monopolistic system. And the coverage sucked too.

Take off your party hat for a minute, Tom.

You can complain about the 'GOP' Policy you had... (though I'd be interested to know when you joined the 'high risk pool'). If it WAS a GOP policy it was still less than you received in care... So you're welcome.

I'd point out that IF you paid the 11,500 premium you're complaining about, that was because it was STILL less than you received in care. In fact, you were allowed to decide to pay $11,500 to get $12,000 or more in care... or if you needed less than $11,500 in care, to simply pay as you went. You've taken away that option for others... and while I understand you're okay with that, it's awfully selfish of you.

My issue with you is that YOU have a medical need. Not everyone... but you. It's not good enough for you that taxpayers subsidize 'some' of your 'higher than average need for care', you want them to subsidize ALL of your higher need for care.... and you whine when others are upset that they can't make EXACTLY the same sort of decision you did and can. Those who don't want to pay your premiums are no more selfish than you are... no matter how you want to pretend they are.

There are certain illnesses that are not illnesses of choice and you have described one... but SURELY you recognize that MANY people who are getting the same advantage you are getting at the expense of others are getting care for illnesses of choice... and people who have made GOOD choices are essentially being punished for them.

I'd ask you how you'd expect those people to react to this change? Why would people not already trying to do so for personal reasons NOT smoke or NOT eat junk food or choose to start exercising or eat less or drink less or NOT drive recklessly or jump off the roof into the pool or wear condoms?

You bring up something I have not thought about before. What would have been wrong with simply just Federally subsidizing a percentage of the increased costs associated with these "preexisting conditions"...thus giving the insurance companies the ability to reward those with very little insurance needs with lower premiums. Maybe that might even spur people to be healthier and safer to avoid higher premiums.

It makes perfect sense if the ACA were really about health insurance rather than redistribution of wealth.
11-16-2014 11:35 PM
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DrTorch Offline
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Post: #22
RE: Just got my BCBS notification letter.....
(11-16-2014 11:39 AM)Tom in Lazybrook Wrote:  
(11-16-2014 11:36 AM)Fo Shizzle Wrote:  
(11-16-2014 11:31 AM)Tom in Lazybrook Wrote:  
(11-16-2014 11:06 AM)Fo Shizzle Wrote:  BCBS silver plan going up from 550 to 622 per month. 864 per year increase. Nice.04-cheers

My plan stayed pretty much the same. And still about 5 grand cheaper the GOP plan I had in Texas.

You are welcome.07-coffee3

No worries. If the GOP put together any rational plan that made healthcare security plausible for most Americans, we wouldn't have ObamaCare. But the GOP and the private sector failed. So we get ObamaCare.

No logic once again.

Oh, and read the 10th amendment sometime.
11-17-2014 09:36 AM
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LSU04_08 Offline
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Post: #23
RE: Just got my BCBS notification letter.....
(11-17-2014 09:36 AM)DrTorch Wrote:  
(11-16-2014 11:39 AM)Tom in Lazybrook Wrote:  
(11-16-2014 11:36 AM)Fo Shizzle Wrote:  
(11-16-2014 11:31 AM)Tom in Lazybrook Wrote:  
(11-16-2014 11:06 AM)Fo Shizzle Wrote:  BCBS silver plan going up from 550 to 622 per month. 864 per year increase. Nice.04-cheers

My plan stayed pretty much the same. And still about 5 grand cheaper the GOP plan I had in Texas.

You are welcome.07-coffee3

No worries. If the GOP put together any rational plan that made healthcare security plausible for most Americans, we wouldn't have ObamaCare. But the GOP and the private sector failed. So we get ObamaCare.

No logic once again.

Oh, and read the 10th amendment sometime.

Gotta love how liberals always veer towards the right for blame. No matter what it is, the right gets the blame...

It won't be long before Gay Tom finds a way to blame the right for Ferguson, if he hasn't already done so.
11-17-2014 10:37 AM
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Niner National Offline
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Post: #24
RE: Just got my BCBS notification letter.....
I haven't found out what I'll be paying next year.

I live in NC, but have a Maryland based health insurance plan since that is where our HQ is. Not sure if that will work in my favor or against me though.
11-17-2014 10:49 AM
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Fo Shizzle Offline
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Post: #25
RE: Just got my BCBS notification letter.....
(11-17-2014 10:49 AM)Niner National Wrote:  I haven't found out what I'll be paying next year.

I live in NC, but have a Maryland based health insurance plan since that is where our HQ is. Not sure if that will work in my favor or against me though.

Im one of the evidently fortunate folks that are being forced at the point of a gun to buy insurance and have to fully pay for it myself. The fact that the government is using force to make anyone purchase any product or service should send shivers up your spine.
11-17-2014 08:58 PM
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Claw Offline
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Post: #26
RE: Just got my BCBS notification letter.....
(11-16-2014 11:39 AM)Tom in Lazybrook Wrote:  
(11-16-2014 11:36 AM)Fo Shizzle Wrote:  
(11-16-2014 11:31 AM)Tom in Lazybrook Wrote:  
(11-16-2014 11:06 AM)Fo Shizzle Wrote:  BCBS silver plan going up from 550 to 622 per month. 864 per year increase. Nice.04-cheers

My plan stayed pretty much the same. And still about 5 grand cheaper the GOP plan I had in Texas.

You are welcome.07-coffee3

No worries. If the GOP put together any rational plan that made healthcare security plausible for most Americans, we wouldn't have ObamaCare. But the GOP and the private sector failed. So we get ObamaCare.

LOL! There is no significant change in the number of uninsured.
11-17-2014 09:55 PM
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Hambone10 Offline
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Post: #27
RE: Just got my BCBS notification letter.....
(11-16-2014 06:52 PM)Tom in Lazybrook Wrote:  I weigh 145lbs. I don't think I've ever been fat. Exactly how does one prevent a diabetes diagnosis in an 12 year old? A THIN 12 year old?

Precisely why I said 'you' and 'some'. Surely you understand the concept of 'some' and 'you' rather than all and everyone, right? You of all people understand the difference between type 1 and type 2 diabetes... and while SOME type 2 is genetic, MOST of it is not. FTR, type 2 makes up 90-95% of the +/- 170mm cases in this country... projected to double in the next 15 years. 90-95% is 'most' by any definition.

There IS no cure for type 1, only to treat the symptoms. It sucks, I am sure. There IS a cure for most type 2... but it involves difficult choices being made by the individuals... like eating less... eating bland... exercising more etc etc etc... and guess what? MOST of those people don't want to do that. They'd rather we just treat heir symptoms as well. I see them every single day, and the ACA ties my reimbursement to their 'satisfaction'. Guess how they generally respond when docs tell them to eat less... eat better... exercise more? With 'low' satisfaction.

Quote:I'm sorry, but it appears as if your solution is "let them die" to anyone who gets sick, just so you can avoid paying for it. By the way, no insurance, no work.

If that is how it appears to you then you aren't as smart as i thought you were. My solution is to make people who have illnesses or injuries of 'poor choices' pay more for their care than those who make GOOD choices but suffer injury or illness anyway.

You can TRY and make this idea out to be 'evil incarnate' if you want, but anyone would agree that it is a sound idea... even if they are too 'soft' to support it.

Quote:I pay a LOT of taxes.
No more than anyone else... Tom, and obviously not enough to pay for your healthcare need... else we wouldn't need to go through all this. Others are SPECIFICALLY paying MORE taxes, and effectively you are paying less. I understand why you're okay with this. You should also understand why others aren't. That's not a value judgement, but an appeal for you to at least ACKNOWLEDGE the reality. It doesn't make people 'bad' because they don't want to pay more for the same care... especially when you are celebrating that you get the same care but pay less.

Quote: Because I am healthy enough to be economically productive. Our economy loses when people drop out of the economy due to health issues.

Meh... not really. a) your presumption assumes full employment, which we don't have and b) it assumes that those who drop out of the economy are 'more productive than average'. While that certainly might be true of you, it is hard to argue that it is true 'in general'.

That's actually part of the issue. Most corporate policies covered PECs because they applied to a large enough group to have those people coming and going all the time. If we'd spent these resources and energy on improving the economy rather than this, it is highly likely that we wouldn't NEED to be talking about raising the min wage or the ACA because business would use higher wages AND expanded benefits as a way to get people to come out of their retirement (voluntary or non) to work for them.

FoShizzle Wrote:
(11-16-2014 11:35 PM)Kaplony Wrote:  You bring up something I have not thought about before. What would have been wrong with simply just Federally subsidizing a percentage of the increased costs associated with these "preexisting conditions"...thus giving the insurance companies the ability to reward those with very little insurance needs with lower premiums. Maybe that might even spur people to be healthier and safer to avoid higher premiums.

It makes perfect sense if the ACA were really about health insurance rather than redistribution of wealth.

Absolutely. If we had expanded medicare taxes by perhaps 15% for everyone, exempting those below some threshold just as we always do... we could have mandated uncapped policies, allowed people to be on their parents insurance until 26, allowed the sale of policies across state lines and taken care of these PECs without all of the lies and BS. And yes, that 15% number is pretty close. Though individually these people need a lot of care, there really aren't that many of them as a percentage... same with uncapping policies. few people actually reached those limits.



What the left doesn't want to acknowledge is that the reason we didn't really do this much before is that the right is usually pretty upfront about taxes.... and people don't want to pay more taxes so the money wasn't there to do much more. The left found a way to raise taxes by calling it something other than a tax, only to then admit that it was a tax, but now it's too late to do much about it.

Much like tax shelters for the wealthy, they are incredibly inefficient as a business model, but they absolutely avoid 'taxes'. The ACA is the same thing. It absolutely avoids 'taxes' (not legally, but effectively) and is incredibly inefficient.

Once we decided this was a tax, all the wasteful charades should go away so that it can at least be efficient.
(This post was last modified: 11-18-2014 02:37 PM by Hambone10.)
11-18-2014 02:30 PM
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