Health Care - we gotta fix this shit...

[Howard Roark]

Depending on your pre x you could not get insurance before ACA unless it was a temporary plan, all individual plans were medically underwritten (asked health questions) before ACA and so were and are temps today. Before ACA you had 60 days to get other coverage if you could pass underwriting or going on a group health insurance plan. Employer group insurance was only cheaper because normally your employer paid 50% of your premium, most true premium's were more expensive than an individual plan, now they are damn near neck and neck.

I've been in the individual market for 40 years. Before ACA, it was common for companies to stop writing business in an area, and I had to shop elsewhere. I don't have any P.E.Cs, but as long as I had no lapse in insurance longer than 30 days, they would be covered anyway.

ACA gave every individual the same coverage as groups, at the same price. At least, before House Republicans de funded risk corridors, and cost sharing.

 

[boedicca]

Depending on your pre x you could not get insurance before ACA unless it was a temporary plan, all individual plans were medically underwritten (asked health questions) before ACA and so were and are temps today. Before ACA you had 60 days to get other coverage if you could pass underwriting or going on a group health insurance plan. Employer group insurance was only cheaper because normally your employer paid 50% of your premium, most true premium's were more expensive than an individual plan, now they are damn near neck and neck.

I've been in the individual market for 40 years. Before ACA, it was common for companies to stop writing business in an area, and I had to shop elsewhere. I don't have any P.E.Cs, but as long as I had no lapse in insurance longer than 30 days, they would be covered anyway.

ACA gave every individual the same coverage as groups, at the same price. At least, before House Republicans de funded risk corridors, and cost sharing.

Here's a wee clue: health insurance is not health care. All the ACA has done for many people is to enable the Big Goverment Elites to virtue signal about how they care for the poor and working classes while forcing upon latter virtually unaffordable health insurance when one considers the premimums, deductibles and co-pays.

 

[debbiedowner]

Depending on your pre x you could not get insurance before ACA unless it was a temporary plan, all individual plans were medically underwritten (asked health questions) before ACA and so were and are temps today. Before ACA you had 60 days to get other coverage if you could pass underwriting or going on a group health insurance plan. Employer group insurance was only cheaper because normally your employer paid 50% of your premium, most true premium's were more expensive than an individual plan, now they are damn near neck and neck.

I've been in the individual market for 40 years. Before ACA, it was common for companies to stop writing business in an area, and I had to shop elsewhere. I don't have any P.E.Cs, but as long as I had no lapse in insurance longer than 30 days, they would be covered anyway.

ACA gave every individual the same coverage as groups, at the same price. At least, before House Republicans de funded risk corridors, and cost sharing.

Nope you're wrong in 1996 I believe under hippa you had 63 days to get coverage (group) without pre x, not an individual plan which went through medical underwriting unless then again it was a fly by night like golden rule who would underwrite at time of claims and then turn down the claim and cancel the policy or like assurant. Don't know where you get this 30 days from on an individual plan hasn't existed since I've been in the business in 1994.

 

[debbiedowner]

Depending on your pre x you could not get insurance before ACA unless it was a temporary plan, all individual plans were medically underwritten (asked health questions) before ACA and so were and are temps today. Before ACA you had 60 days to get other coverage if you could pass underwriting or going on a group health insurance plan. Employer group insurance was only cheaper because normally your employer paid 50% of your premium, most true premium's were more expensive than an individual plan, now they are damn near neck and neck.

I've been in the individual market for 40 years. Before ACA, it was common for companies to stop writing business in an area, and I had to shop elsewhere. I don't have any P.E.Cs, but as long as I had no lapse in insurance longer than 30 days, they would be covered anyway.

ACA gave every individual the same coverage as groups, at the same price. At least, before House Republicans de funded risk corridors, and cost sharing.

At the same price? What state are you licensed in?

 

[debbiedowner]

Depending on your pre x you could not get insurance before ACA unless it was a temporary plan, all individual plans were medically underwritten (asked health questions) before ACA and so were and are temps today. Before ACA you had 60 days to get other coverage if you could pass underwriting or going on a group health insurance plan. Employer group insurance was only cheaper because normally your employer paid 50% of your premium, most true premium's were more expensive than an individual plan, now they are damn near neck and neck.

I've been in the individual market for 40 years. Before ACA, it was common for companies to stop writing business in an area, and I had to shop elsewhere. I don't have any P.E.Cs, but as long as I had no lapse in insurance longer than 30 days, they would be covered anyway.

ACA gave every individual the same coverage as groups, at the same price. At least, before House Republicans de funded risk corridors, and cost sharing.

Here's a wee clue: health insurance is not health care. All the ACA has done for many people is to enable the Big Goverment Elites to virtue signal about how they care for the poor and working classes while forcing upon latter virtually unaffordable health insurance when one considers the premimums, deductibles and co-pays.

Here's a hint I never said health insurance is health care and I've disputed that since I've been on this board with ones who think they are one in the same.

 

[boedicca]

Depending on your pre x you could not get insurance before ACA unless it was a temporary plan, all individual plans were medically underwritten (asked health questions) before ACA and so were and are temps today. Before ACA you had 60 days to get other coverage if you could pass underwriting or going on a group health insurance plan. Employer group insurance was only cheaper because normally your employer paid 50% of your premium, most true premium's were more expensive than an individual plan, now they are damn near neck and neck.

I've been in the individual market for 40 years. Before ACA, it was common for companies to stop writing business in an area, and I had to shop elsewhere. I don't have any P.E.Cs, but as long as I had no lapse in insurance longer than 30 days, they would be covered anyway.

ACA gave every individual the same coverage as groups, at the same price. At least, before House Republicans de funded risk corridors, and cost sharing.

Here's a wee clue: health insurance is not health care. All the ACA has done for many people is to enable the Big Goverment Elites to virtue signal about how they care for the poor and working classes while forcing upon latter virtually unaffordable health insurance when one considers the premimums, deductibles and co-pays.

Here's a hint I never said health insurance is health care and I've disputed that since I've been on this board with ones who think they are one in the same.

I wasn't replying to you.

 

[debbiedowner]

Depending on your pre x you could not get insurance before ACA unless it was a temporary plan, all individual plans were medically underwritten (asked health questions) before ACA and so were and are temps today. Before ACA you had 60 days to get other coverage if you could pass underwriting or going on a group health insurance plan. Employer group insurance was only cheaper because normally your employer paid 50% of your premium, most true premium's were more expensive than an individual plan, now they are damn near neck and neck.

I've been in the individual market for 40 years. Before ACA, it was common for companies to stop writing business in an area, and I had to shop elsewhere. I don't have any P.E.Cs, but as long as I had no lapse in insurance longer than 30 days, they would be covered anyway.

ACA gave every individual the same coverage as groups, at the same price. At least, before House Republicans de funded risk corridors, and cost sharing.

Here's a wee clue: health insurance is not health care. All the ACA has done for many people is to enable the Big Goverment Elites to virtue signal about how they care for the poor and working classes while forcing upon latter virtually unaffordable health insurance when one considers the premimums, deductibles and co-pays.

Here's a hint I never said health insurance is health care and I've disputed that since I've been on this board with ones who think they are one in the same.

I wasn't replying to you.

Oh sorry, I don't like when you have all these alerts and you click on one and most of the time no one is talking to you. I don't look at those alerts much anymore.

 

[boedicca]

Depending on your pre x you could not get insurance before ACA unless it was a temporary plan, all individual plans were medically underwritten (asked health questions) before ACA and so were and are temps today. Before ACA you had 60 days to get other coverage if you could pass underwriting or going on a group health insurance plan. Employer group insurance was only cheaper because normally your employer paid 50% of your premium, most true premium's were more expensive than an individual plan, now they are damn near neck and neck.

I've been in the individual market for 40 years. Before ACA, it was common for companies to stop writing business in an area, and I had to shop elsewhere. I don't have any P.E.Cs, but as long as I had no lapse in insurance longer than 30 days, they would be covered anyway.

ACA gave every individual the same coverage as groups, at the same price. At least, before House Republicans de funded risk corridors, and cost sharing.

Here's a wee clue: health insurance is not health care. All the ACA has done for many people is to enable the Big Goverment Elites to virtue signal about how they care for the poor and working classes while forcing upon latter virtually unaffordable health insurance when one considers the premimums, deductibles and co-pays.

Here's a hint I never said health insurance is health care and I've disputed that since I've been on this board with ones who think they are one in the same.

I wasn't replying to you.

Oh sorry, I don't like when you have all these alerts and you click on one and most of the time no one is talking to you. I don't look at those alerts much anymore.

No worries. The alerts are often misleading.

 

[Howard Roark]

No worries. The alerts are often misleading.

It's not the alerts. It's this wretched format. When I joined way back when, I think I remember a V Bulletin format. This current format sucks. When I quote someone, I take the time to delete all of the previous comments that get lumped in with the quote. It makes it easier to follow. I'm guessing that paying members don't have this extremely slow, extremely troubling format?

 

[well named]

When I quote someone, I take the time to delete all of the previous comments that get lumped in with the quote.

If you're viewing in a browser you can drag-select only the text you want and you'll get an option to either add it to the saved list of quotes or to reply immediately. It's pretty handy. I agree it's annoying the way it grabs the entire history of nested quotes by default, which gets unreadable pretty quickly. But the shortcut above mostly makes it tolerable IMO

 

[Howard Roark]

If you're viewing in a browser you can drag-select only the text you want and you'll get an option to either add it to the saved list of quotes or to reply immediately. It's pretty handy. I agree it's annoying the way it grabs the entire history of nested quotes by default, which gets unreadable pretty quickly. But the shortcut above mostly makes it tolerable IMO

Thanks! Just tried it, and it might be a quicker alternative. Previously, I've only see PMs stack the messages,and it's annoying.

 

[Flopper]

In a civilized society each person can not be free to do as they please ignoring what is best for society.

Actually they can. That's the whole point of the Constitution.

No.

Yes. The notion of protecting individual rights, embodied in the Constitution, defies your claim. It protects our rights from incursion regardless of what ambitious leaders might claim is "best for society". For example, government can't pass laws suppressing freedom of speech regardless of how much some folks might claim it would be "best for society". You can't pass laws keeping black people "in their place" - even if the majority has decided it's "best for society". And you can't pass laws forcing people to buy insurance from your favorite insurance company, no matter how good for society you think it will be.

NO.
One person's liberty ends where another begins. Just as crying fire in a crowded auditorium is not protected by the 1st amendment, the 2nd amendment does not guarantee the right to own tanks, surface to air missiles, and nuclear bombs.

People often confuse freedoms with rights. Rights are freedoms guaranteed in the constitution. Americans enjoys many freedoms not protected by the US Constitution such as, freedom of travel, freedom to marry, freedom to be judged by a jury of your peers, right to privacy, freedom of expression, etc. So many of the freedoms we have in America are not guaranteed by the US constitution, however some are guaranteed at the state level. The implication of the aphorism that in the United States, you can do whatever you want to do is simple not stated in any constitution or law, yet so many people actually believe this.

Probably the most glaring violation of constitutional rights have occurred when the federal government takes actions to defend the nation.

 

[Flopper]

Depending on your pre x you could not get insurance before ACA unless it was a temporary plan, all individual plans were medically underwritten (asked health questions) before ACA and so were and are temps today. Before ACA you had 60 days to get other coverage if you could pass underwriting or going on a group health insurance plan. Employer group insurance was only cheaper because normally your employer paid 50% of your premium, most true premium's were more expensive than an individual plan, now they are damn near neck and neck.

I've been in the individual market for 40 years. Before ACA, it was common for companies to stop writing business in an area, and I had to shop elsewhere. I don't have any P.E.Cs, but as long as I had no lapse in insurance longer than 30 days, they would be covered anyway.

ACA gave every individual the same coverage as groups, at the same price. At least, before House Republicans de funded risk corridors, and cost sharing.

Here's a wee clue: health insurance is not health care. All the ACA has done for many people is to enable the Big Goverment Elites to virtue signal about how they care for the poor and working classes while forcing upon latter virtually unaffordable health insurance when one considers the premimums, deductibles and co-pays.

Here's a hint I never said health insurance is health care and I've disputed that since I've been on this board with ones who think they are one in the same.

I wasn't replying to you.

Oh sorry, I don't like when you have all these alerts and you click on one and most of the time no one is talking to you. I don't look at those alerts much anymore.

I don't know how you can easily see all replies to your posts. If there is a way, I would like to know how to do it. It would save a lot time.

 

[dblack]

Americans enjoys many freedoms not protected by the US Constitution such as, freedom of travel, freedom to marry, freedom to be judged by a jury of your peers, right to privacy, freedom of expression, etc. So many of the freedoms we have in America are not guaranteed by the US constitution...

Nope.

Check out the Ninth Amendment. (see: Bill of Rights).

 

[RogerThat]

I'm a conservative.
But even I realize that our health Care system is screwed.
Pharmacutical companies are gouging us out of our retirement savings.
Insurance companies are gouging us out of our 401k's.
Doctors and hospitals are performing unneeded procedures and prescribing unneeded drugs for profit.
I'm all about profit - but not profit over deceit.
And not profit over the well-being of American citizens.
I always thought the federal government was fundamental for our national defense, and national defense only.
Not any more.
Get rid of Medicare and Medicaid. Both systems are abused and bankrupt.
Have a single payer system. Tack on 5% on our paychecks and have the government have oversight.
Everybody has health care.
I hate to say it, but that's what it's come down to.

"Power corrupts, absolute power corrupts absolutly."

Government oversight is not the problem. I love my Country, but fear my Government. The Government is run by humans. Until that changes it is in our nature to be corrupt in power, greed and every other evil inclination that makes our nature dominate all weaker species of life. Please dont read the following thinking AI will fix, or take over...AI will be programmed and sustained by corrutable humans, for corruptable human 'needs'.

The health insurance casino, pharmaceutical, lobbyist, naturalists, whatever the 'ist', is; if your human, your corrupt and destined to fight those identities that seek to over-power and dominate you. Save the planet, save the whales, save the humans... all corruption ridden campaigns run by inherently corrupted humans. If a tiger was give a choice between steaks and carrots... the tiger is going to eat stakes. It's not a bad kitty, it is just the nature of the kitty. So rather than being a victim, or offering more steaks, fight back with the only thing the kitty understands... no more steak.

We do not need more human regulation, we need less. Then respond to the government, insurance, doctors, lawyers and every other human corrupted organization with the only thing they understand, deprivation. Dont feed the kitty. When the kitty gets hungry it will either attack its handlers, the weak, or find another food source. No one said it was easy, when are only human.

I make a decent wage, and this last insurance racket installment cycle they raised our deductables yet again. If you step back, the insurance companies are much like the student loan industry and their effects on tuition. Student loans cover the costs of higher education, so higher education raises the cost of tuition.... why? it's not because they increased the quality of the education, practicle skills, or increased the cognition of higher thinking...not at all, if anything they lowered them and increased the lobbying for the institution to get brain numb humans in to make them feel entitled because of the penance they paid (or, somebody paid). Why...? because these institutions are governed by humans.

Human institutions are rotted in greed, that force subservient humans to seek alternatives...(don't think your subservient...get the flu and shut off your breaker box in the winter and ditch your car keys)

The only thing any human governed institution will understand, is supply and demand. Healthcare and the insurance of it falls into the darkest domains of humanity and exemplifies our primal nature of survival of the fittest. It is no different than any other human corruptible concept. Look at what happened and is happening to the cable industry and as the phone companies before them...enter media streaming and as ISPs supporting choice and affordability. Eventually, human nature will take over and will become corrupted (regulated) and human prey will continue to seek other safe alternatives to gain Information.

As stated, I pay 'premium'-prices for 'insurance' for my family, without any assurance it will cover much at all, or that I will be able to 'cover' the criminal deductables (hedged bets), medical service costs, or the cassiono house odds of medical codes being even 'accepted'-againts the house rules.

For me and my family, I cannot afford the increasing expenses of health care (medical, vision, dental....all corrupt). I have no choice but to speak alternatives for survival. HSA...ha-joke, 'Christian-backed... bigger scheme' (being a Christian, I know I'm forgiven - so trusting other forgiven Christian's, is joke in itself)


In the end we are only human. We may love, desire, trust, communicate, and 'support' humanity. The only thing I know I have control over is what knowledge I have, and what resource are in my hand today. Humanity in itself is limited by our inherent human nature of succession through domination of all weaker life

 

[blenkins90]

Anyone with thoughts on the whole thing about getting your prescription meds from Canada? Why do pharmaceutical companies have so much leverage on pricing?