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OK, I'll bite. What insurance companies and when?

Posted By: Old part-timer on 2008-10-13
In Reply to: Sour grapes. - McC's healthcare plan....sm

Insurance companies have ALWAYS been a for profit idea. So they need to collect premiums from people who ARE NOT sick to cover the thousands they pay out for someone else who IS sick. So how is this going to work? Like I said, if this becomes a reality, I for one am going to immediately drop my coverage until such time as I need it. Unless their other healthy customers are stupid, they are going to do the same. So then the only people who will be paying insurance premiums are the ones who are also using their policies to fund their heart transplants, chemotherapy, whatever. Take a guess what their premiums are going to be.




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Insurance companies.
I agree the insurance companies need a very, very major overhaul, but do you think the insurance companies are going to do that??? If they would there would be no need for a government run system, but the insurance companies will do absolutely zilch, and things cannot contine the way that they have been going.
I'd like to see the insurance companies

But insurance companies already tell us no

What's the difference who says no?  Some insurance companies pretty much say no to everything but wellness visits - and that's simply so they can find out if you develop a condition, so they can drop your coverage on a threabare excuse, or jack your rates to the moon so you'll have to drop it.  Then no other company has to cover you due to it being preexisting.  I don't want to pay for insurance that only covers me if I'm not sick!


At least if there was universal healthcare, even with a wait, they'd have to treat you eventually instead of NEVER.  And do it for free.


How are insurance companies...

...involved in the transcription of patient notes?


That just doesn't make sense.


Insurance companies and the politicians they buy..

Doesn't anybody in DC have a conscience?  The system as it stands now is disgusting.  They are literally making billions by killing of thousands upon thousands (maybe millions?) of Americans.  Anyone with half a brain should recognize profit-driven health insurance only serves the best interest of the CEOs of the insurance companies - not healthcare recipients! This needs to change NOW!


I saw my first AMA commercial last night urging people to vote with the millions of uninsured Americans in mind.  I loved it!  It is at least a step in the right direction.  Vote with the healthcare crisis in mind people!


Insurance companies cont...sm
You made reference to the fact that you already are paying through the nose for insurance premiums and don't want to end up paying even more to cover the uninsured.

I think the general gist of reform is to guarantee access to all, and at the same time, lower the costs for people such as yourself.

Whatever direction health care reform takes it will take government intervention, either in terms of mandating what insurance companies can charge for policies for all people, likely putting caps on prohibitive prescription drugs and windfall profits made by health care providers and hospitals, etc.

What the US spends on health care is far, far above what every other country pays for health care, and that is not because the US has superior care in many cases. It's a profit driven business that has become extremely out of control. It cannot continue in its current business as usual form, as it is no longer working to the benefit of most.
If the profit factor (insurance companies)...
...is removed, we will save a TON of money.
I'll bite, how many?

Okay, I'll bite

Why not be just plain old everyday American?  I'm curious how you know the human race originated in Africa?  Some might disagree with you.  Me?  I don't know, don't care either since I wasn't there.


As for me, I call myself an American, an American-Mutt if you prefer.  As for race........I'm Caucasian....no better or worse than you African-Americans or Negros.  Technically I guess I'm Irish-German-Cherokee Indian-American.  I've never seen Ireland or Germany but I frequent the Cherokee Nation..........particularly their casinos.LOL


 


Okay, I'll bite
Do you have any information on this program where everyone can attend a university for free? Where does the money come from. I am not being argumentative, just curious.
This is ridiculous but I'll bite

You state that an opinion is not bashing. 


I think you are mentally ill.  That is my opinion.


I think you and your friends are playground bullies with the maturity of my 5-year-old.  That is my opinion.


I think the far-right Republican party has an agenda which will destroy this country.  That is my opinion.


Hey, that's not bashing right?  Just an opinion, right?


End of story.  You guys don't play fair and what's more, you are truly nasty people.  Just an opinion!!!!


Okay, I'll bite. What Republicans? sm
Read it word for word and didn't see the word Republican one time. 
President is going after overblown insurance charges, crooked insurance plans, .....sm
crooked hospital systems that have become quite prosperous "businesses" on the backs of the elderly, but he is NOT AGAINST the eldery getting good solid care, that is political hogwash and propaganda, you wise up and read up, and I don't mean from Fox or Coulter of Limbaugh or one of the Pub sources......

http://www.bloomberg.com/apps/news?pid=20601087&sid=av1lMcI6E1no&refer=home

http://www.barackobama.com/issues/healthcare/
Bite Your Tongue !!!!!
 He has been my governor for 8 loooooooong years. He is smarter and more articulate than W but he is the definition of ruthless.
Sorry...this fish won't bite!
:p
but i dont even bite!
i promise
You deduced a lot from a 4-second sound bite!

I'm sure your opinions are not soley based on that one sound bite, and the assertion that shoulder rubbing is *groping.* 


I'll tell ya what's pathetic it's the fact that the liberals think that Middle East situation disintegrated during the Bush administration.  The Middle East has been unstable for years, eons in fact. 


I love this sound bite

My husband had me listen to it.  It's a riot. (It's political that's why it's here).


http://www.rense.com/general83/hs_sal_in_harlem_100108.mp3


 


 


okay - Kaydie - I bite - what was your post?
I am white - but I have a black husband, 4 biracial stepchildren, 2 biracial grandchildren, 2 black brother-in-laws, and 4 biracial nieces and nephews. So I am definitely not racist, but sometimes I say things that get taken that way.

I am an Obama supporter at this point, but it is most definitely not because he is a black man. I was really sitting on the fence to be honest until McCain picked Palin - and I am sorry, but I just cannot see her in charge of this country and anything good coming out of that...
Karma will always comes back and bite you in the behind.
xx
People like me? I'm sorry but what does probite mean? Bite a pro? really ? nm
nm
Dear Righties: Bite me.

I wish I could attach a sound bite of applause
Thank you so much. Nothing more than an ignor@ant person that does not have the facts correct.

Poster sounds like a bitter (r)epublican upset at the (d)emocrats pick.
Wanting to see W and his party bite the dust
half (and probably more like 60%) of Americans seem to share. By your (il-)logic, that makes them all jihadists? At least 100,000 Iraqi civilians have died behind W's war of lies. We are making air strikes into 2 other soverign nations in the midst of a tanking republican presidential campaign. Ever hear of a war of attrition...the kind that wears down a nation from the inside because of the economic drain it places on its population? From where I sit, W played right into the hands the terrorist dealt. Continuation of such saber-rattling imperialism makes terrorist predictions a self-fulfilling prophecy.

Bombing countries into democracy, illegal occupations, kangaroo trials and lynching of leaders who do not bend to US will which fail to follow their OWN rule of law, military presence in defiance of overwhelming popular mandates that seek to take back control of their own country, flagrant disregard for human rights, clandestine interrogations, torture and humiliation of POWs not afforded the benefit of a trial, selective stateside vote suppression that overwhelming favors the party that is on its way out and the litany of other such violations of our historic basic principles make a MOCKERY of our own claims to be the greatest democracy on the face of the earth.

Live by example. It's simple. If we are not able to live up to and be accountable for our own basic tenants, we will self-destruct with or without any help from FUTURE leaders.
sound bite from barbara bush's remarks

Here is the sound bite from Barbara Bush (it actually was on The Drudge Report!)


 


Here's the clip. Let them try and spin it however they want. Her callous words cannot be denied. These are heartless group of elitists:
http://www.drudgereport.com/bb.mp3


I'll double that 'amen', and I'll raise you one!
amen
oil companies
There was just a senator from North Dakota debating on the senate floor (MSN sometimes has live video feed in the net, quite interesting..they also carried the John Roberts questioning which I watched)..Anyway this senator..I didnt get his name, he and Senator Barbara Boxer from CA are introducing a bill that would give rebates back to the people because of the high gas and oil prices we are paying.  He said, it would be different if the oil companies were using their profits to look and drill for oil but they are using it to buy back their stock and invest in wall street.  He said last year they made over a trillion dollars!  He said some of that profit should go back to the consumer who is carrying a heavy load right now and the oil companies are doing nothing but make a profit.  He said it is estimated oil prices for this winter will increase by 40% and natural gas by 70%. 
oil companies

if one of your most pressing concerns is that the large corporations are being abused by government, keep reading.  Have you seen news reports on the executives are given huge million dollar bonuses and pensions? A lot of them "earn" them by closing facilities, firing workers, destroying unions, downsizing or removing benefits from workers.  Our benefits go down; corporate execs compensation are sky-rocketing.  The history-making profit of the oil companies this quarter in the billions?  Do they still need more tax breaks?  Sorry, my sympathy and concern for the well-being of these corporations is minimal to none.


 But if you really want to protect the corporations, vote McCain!


 


 


If they help car companies out, they will have to

do it again and again for the next 2 years because that is how long it is going to take car companies to make a good economy vehicle.  If government bails them out, next will come airlines and so on.  We do not have enough money to bail them out for the next 2 years.  Those companies BURN money each month. 


Do not get me wrong, I do want the American car companies bailed out.  I WILL ONLY OWN AMERICAN MADE CARS.  NEVER will buy a foreign made car so I can help the car companies stay in business.  Geesh, I am from Michigan, born and raised there for 18 years.  Most of my family is from Michigan on my mother and father's side.


If the car companies fold, we could have the Great Depression or close to it.  Shoot, Toyota and Honda, etc., could buy our car companies and now will be foreing made cars only.  It is a mess, chaos mess.  What I do know is most of my family in Michigan blame the American car companies.  My cousin just took early retirement from them 3 weeks before the US financial mess.  Thank God he did.  A 3 car companies had years to design and make cars better than Toyota, but did not.  Some of my family members blame the gas companies for jacking up the price of oil which is what started the car companies to have problems.  If only the oil companies did not raise it to 4.00, our 3 American car companies just might not be in the mess they are in.  So now my family believes it should be the OIL COMPANIES to bail them out since they started the mess with high gas prices.  Family actually do not want the government to bail out car companies because the costs will be from you, me, and the USA and will go on and for the next 2 years.  Family wants them to stop production, think about what to build next and then start building it.  The 3 car companies need to make what consumers want and need. 


It is a mess and horrible.  I personally do not want so many jobs to be lost.  It is such mixed feelings.  I just want new jobs created NOW.  Drill, drill, drill, and create new technology and start building and working by all of us coming together and creating new jobs and what we really need for these new jobs.  Hope this all makes sense, I am really tired from a long night of working. 


So do we let the car companies die for now?
Make them think about what to build next?  Or they will just fold up and we end up having to buy foreign made cars on US soil. 
Drug companies
Why is it that other countries have American made medications so much cheaper than America.  The argument has been well we pay the extra amount so drug companies can do research.  Why us?  We are expected to pay more for medications and also health benefits when other countries have universal healthcare and lower drug costs.  It isnt right that Americans foot the bill for the world to enjoy the medications we produce at less cost than us.  It isnt right that Americans have to go bankrupt when faced with a major illness because either their healthcare is inadequate or they dont have healthcare.  If this administration really cared about what Americans need most, they wouldnt be talking about Social Security, they would be devising a universal health plan for all Americans.  Some say that would be socialized medicine.  Heck, when you dont have any health coverage, socialized medicine is better than nothing.
Maybe the tobacco companies have
I suppose that is another reasonable explanation as to why he would veto a bill that only promised to raise the cigarette tax.  Too bad so many of the politicians that are supposed to work for us work for big business.  I'm so disapointed in our government today.
You've got to think of all the other companies

that would go out of business if the auto industry tanks, not to mention the auto workers themselves (what's left of them).


I don't think it would be a good idea. They stated 3 million people would lose their jobs if they let the industry tank. That would really throw us into a depression.


Actually, I agree, these companies

all 3 didn't  just hit bankruptcy level at the same time.  As a matter-of-fact I seriouisly doubt they are even in a financial crisis.  I think they've been working up to this panic for the past 6-8 years.  Unfortunately your husband and other companies that have supplied the big 3 are going to suffer.  I think this is all a smoke screen and what they REALLY want is to get out from under their union contract.  Do you really think if that happens they are going to lower the costs of their cars?  Nope.  They'll take as many billion as they can wanagle out of Bush and then file BK which will let them out from under their union contract.  Then miracously they'll recover.


As for people and their big Hummers, SUVs, etc.  That is a bit on the "look what I've got" front.  I think those Hummers are undoubtedly the UGLIEST things I've every seen.  I know a couple of people who bought them with payments approaching $1000 a month and they worry how they're going to pay their gass bill.  BOOHOO!!!


Things are going to get rough for all of us.  Even if Obama does what he promised, it probably won't be in his first term.  It will take him that long to undo 8 years of Bush....not to mention Clinton before him and Big Daddy before him.


I took it for what it IS -- companies getting TAX BREAKS
Although English grammar & keyboarding can be taught to just about anyone, the deep-down knowledge of language, word & phrase patterns, ability to spell and acute hearing are things you're either born with, or your're not.

Bottom line: American work should be done in AMERICA. Let India and Pakistan support their growing middle class some OTHER way, because the United States is losing their middle class. If something doesn't change, there will only be 2 classes in this country - the very rich, and the very poor. The middle class, which USED to support both of them, will be nonexistent.
I feel bad for the companies that are being

taken down with them, though. They don't deserve it.


GE stock on Friday was only $.10 a share. So sad. Other stocks are just as bad and some of them were good ones before all this started.


 


Health insurance
I'm not sure about that specific point, but in her plan if you don't purchase medical insurance your wages will be garnished. How's that for communism?
You're right about the mtg. insurance
It also irks me that somehow we are being asked for $700 billion to help these companies when $700 billion would go a long way toward ensuring Americans have health insurance - what about that Mr. Bush?
mccain - insurance
The Truth about the McCain-Palin Health Care Plan

"


Barack Obama And Joe Biden Have Consistently Lied To Americans About John McCain's Plan. Their claims have failed every fact-check - from CBS to the Washington Post. John McCain is not going to raise taxes on middle class families. Barack Obama and Joe Biden are the only ones in this race that plan to raise taxes.


Get



OBAMA FICTION
John McCain Will Tax Health Care Benefits For The First Time And Will Be the Largest Middle Class Tax Increase In History.


THE FACTS
This Obama charge is a blatant mischaracterization of the McCain Health Plan. It only focuses on the fact that the value of the employer provided insurance will now show up as additional income for the employees – what he fails to mention – is that John McCain’s generous refundable tax credit ($5,000 for families and $2,500 for individuals) will not only shield millions of families from a tax increase but will actually give them MORE dollars to invest in their health care needs.


The McCain Plan DOES NOT tax:



  • Premiums paid by families and individuals


  • Employers for providing health care coverage


  • Medical expenses like the cost of a procedure or medication


  • Insurance claims

Approach Supported By Obama’s Own Advisor: This is an approach supported by Barack Obama's own Senior Economic Advisor Jason Furman who wrote that "we could scrap the current deduction altogether and replace it with progressive tax credits that, together with other changes, would ensure that every American has affordable health insurance."


Better Than "Members of Congress":  Under the McCain Plan, your employer can provide you with health insurance  as good as a "Member of Congress" (approximately $12,000), and you would pay no  more in taxes – regardless of your tax bracket.  In fact, you would have additional money left over from the McCain tax credit to put in a health savings account.








 
Income Tax Liability

McCain-Palin
Tax Credit

Total Tax Savings
































10% Bracket
(Up to $15,000)
$1,200 ($12,000 x 10%) $5,000 +$3,800
15% Bracket ($15,650 - $63,700)
$1,800 ($12,000 x 15%) $5,000 +$3,200
25% Bracket ($63,700 - $128,500)
$3,000 ($12,000 x 25%) $5,000 +$2,000
28% Bracket ($128,500 - $195,850)
$3,360 ($12,000 x 28%) $5,000 +$1,640
33% Bracket ($195,850 - $349,700)
$3,960 ($12,000 x 33%) $5,000 +$1,040
35% Bracket ($349,700 and Over)
$4,200 ($12,000 x 35%) $5,000 +$800

Where Is The Middle-Class "Tax Increase"?   If you or your family is in the 28% bracket, with an income of $180,000, you could receive employer provided health insurance even better than a Member of Congress, with a cost of almost $18,000, with no increase in taxes. Even the liberal leaning Tax Policy Center, agrees that the McCain proposals will result in a "net tax benefit" of more than $1,200 for an average tax payer. A recent Lewin Group study estimated savings of more than $1,400 per American family – almost three times the savings as under the Obama plan.

O says that he will force insurance
companies to insure preexisting conditions. That sounds like something that will put them out of business to me. No need to buy insurance until you need it. Think of all the lost jobs.
He is not going to mandate that you have insurance -
he is only going to make sure that it is available to everyone whether they have an employer-based program or not.
if you already have insurance you don't have to change - nm
x
Nobody said free insurance -
where did you get that? He said he would make insurance available at an affordable rate for everybody...
But what if you didn't have any insurance...sm
at all? Wouldn't they let you die then because they won't treat you?
With health insurance, though

we are all driving basically the same model and we are insuring it for what could possibly happen, not what will or actually does. 


Way back in the 1960s when I first started working, my company's health insurance did not cover single women for most 'female' issues, especially birth control and/or pregnancy-related issues, which has since been deemed discriminatory.  Now you must cover everyone equally for every contingency. 


The only way to individually ajust coverage costs would to be to exclude coverage based on genetic testing and/or family history, or maybe lifestyle issues such as alcohol or tobacco use or risky behavior like sky diving, which consumers have been fighting for years.  This would probably also be deemed discriminatory.


Before canceling your insurance, you

should have checked a few things out.


I feel for you, but a pre-existing condition is NOT uninsurable if you have had insurance for 30 days prior to the illness.


Case in point: We had private health insurance paid for out of our own pockets for 6 years. DH had open heart surgery. In the meantime I got a job with a company, signed up for insurance and they stated a 1 year before they would insure him. Yet, it was less than 30 days since I signed up. All I needed was a Certificate of Insurance from our private carrier, and then no waiting period. I got that, and he is now totally insured under the company plan.


If you did not cancel your insurance until after your problem, you have a way out. Just ask the former insurance company for a certificate of insurance and no one can turn you down.


I'm not trying to be mean or whatever you want to call it, I'm trying to help, so don't take it the wrong way. Best of luck and hopefully, things will turn around for you.


Oh. Well, they'll have to kill me before they'll censor

We'll see who'll be laughing tomorrow.
Bet it's me!
Oil companies employ people too...
thousands upon thousands of them. Just throw them under the bus?

The economy was fine until the last year...and who has been in control of Congress for the last year?

Our sons and daughters are in Iraq, not Iran. Obama has said that an immediate withdrawal is not a viable solution, that troops would remain there for at least a year, which is what the Bush administration is also saying. We just handed back to them the 11th of 18 provinces. The surge worked. Most of the combat troops will be coming home within a year. Obama and the Republicans agree on that issue.

How can Obama give tax breaks to companies to keep jobs here and then turn around and raise taxes on companies that make more than $250,000? Don't hardly see how he can do both.
Lobbying for big drug companies....oh my!

http://sirenschronicles.com/2008/08/24/hunter-biden-lobbyist-for-big-pharma/


What will happen if the car companies bankrupt.
Duh, I know there will be job loss along with lawyers, computer companies who do business with auto dealers, human resources and so on.  Job loss will not just be car company manufactures.  Motorola supplies car companies with their technology and so many other companies.  Would it be the Great Depression?  What about all the people who lease cars with these companies or who make payments to these companies?  What if you own American made cars and where do you get the parts to repair your american made cars?  Geesh I could go on and on.  Sounds like a horror flick.