Affordable care that isn’t affordable

[dblack]

They've always had incentive to do that. And their primary roadblock in those efforts has been state regulations preventing it.

That presumes that their primary motivation was concern for their customers.

Huh? I'm assuming their only motivation was, will always be, profit.

Here's how it worked:

Pharma Company X develops a drug to treat cancer. Sets whatever price it pleases, because this drug saves lives and desperate people will pay anything for it.

Dr. Y prescribes Drug X for one of his patients, who has a policy with Insurance Company Z, and starts treatment.

Insurance Company Z receives the bill and says "We refuse to cover Drug X. Nothing you can do about it. But we might maybe consider covering older drugs that aren't effective."

LOL... no, it never 'worked' that way. Insurance companies have never been able to change the terms of a policy after the fact. What the could do - before ACA anyway - was respond to high priced drugs and services by excluding them from future policies, in hopes that customers would prefer lower rates to coverage for the latest and greatest medical developments. If they were right, they got more customers. If they were wrong, they lost customers.

But they don't have to worry about pleasing customers anymore. All they need to do is keep their buddies in the regulatory regime happy.

 

[dblack]

If your healthcare is too expensive, thank your insurance and healthcare provider (mostly one in the same) and Reagan for screwing with the HMO act. Screwing with the middle class consumer is ALWAYS Republican caused.

Can't deny that. Which is why I wonder why we're rewarding them with guaranteed income.

 

[OnePercenter]

ObamaCare is just incredibly expensive catastrophic care insurance.

Add up the premiums, deductibles, co-pays and co-insurance, and it's insanely expensive.

Which is EXACTLY what I and many other economically literate people predicted.

ACA ISN'T INSURANCE.

 

[dblack]

ObamaCare is just incredibly expensive catastrophic care insurance.

Add up the premiums, deductibles, co-pays and co-insurance, and it's insanely expensive.

Which is EXACTLY what I and many other economically literate people predicted.

ACA ISN'T INSURANCE.

It's just a law forcing us to buy insurance.

 

[OnePercenter]

If your healthcare is too expensive, thank your insurance and healthcare provider (mostly one in the same) and Reagan for screwing with the HMO act. Screwing with the middle class consumer is ALWAYS Republican caused.

Can't deny that. Which is why I wonder why we're rewarding them with guaranteed income.

Who's 'them?'

 

[dblack]

If your healthcare is too expensive, thank your insurance and healthcare provider (mostly one in the same) and Reagan for screwing with the HMO act. Screwing with the middle class consumer is ALWAYS Republican caused.

Can't deny that. Which is why I wonder why we're rewarding them with guaranteed income.

Who's 'them?'

insurance companies and healthcare providers.

 

[Arianrhod]

They've always had incentive to do that. And their primary roadblock in those efforts has been state regulations preventing it.

That presumes that their primary motivation was concern for their customers.

Huh? I'm assuming their only motivation was, will always be, profit.

Not prior to the 1980s. The only insurers in the health arena were the Blues, and they were non-profit.

 

[OnePercenter]

It's just a law forcing us to buy insurance.

Whats wrong with paying your own way?

 

[dblack]

They've always had incentive to do that. And their primary roadblock in those efforts has been state regulations preventing it.

That presumes that their primary motivation was concern for their customers.

Huh? I'm assuming their only motivation was, will always be, profit.

Not prior to the 1980s. The only insurers in the health arena were the Blues, and they were non-profit.

Yeah. They were all in it for goodwill and the like. Are you really claiming that before 1980 insurance companies weren't motivated by profit?? Do you really expect such a claim to be taken seriously?

 

[dblack]

It's just a law forcing us to buy insurance.

Whats wrong with paying your own way?

Nothing at all. That's what I'm arguing for. Try to keep up.

 

[Arianrhod]

They've always had incentive to do that. And their primary roadblock in those efforts has been state regulations preventing it.

That presumes that their primary motivation was concern for their customers.

Huh? I'm assuming their only motivation was, will always be, profit.

Not prior to the 1980s. The only insurers in the health arena were the Blues, and they were non-profit.

Yeah. They were all in it for goodwill and the like. Are you really claiming that before 1980 insurance companies weren't motivated by profit?? Do you really expect such a claim to be taken seriously?

Blue Cross and Blue Shield were nonprofit organizations. Do you know what a nonprofit organization is?

 

[dblack]

They've always had incentive to do that. And their primary roadblock in those efforts has been state regulations preventing it.

That presumes that their primary motivation was concern for their customers.

Huh? I'm assuming their only motivation was, will always be, profit.

Not prior to the 1980s. The only insurers in the health arena were the Blues, and they were non-profit.

Yeah. They were all in it for goodwill and the like. Are you really claiming that before 1980 insurance companies weren't motivated by profit?? Do you really expect such a claim to be taken seriously?

Blue Cross and Blue Shield were nonprofit organizations. Do you know what a nonprofit organization is?

I guess you are. Come back to the light....

 

[Arianrhod]

That presumes that their primary motivation was concern for their customers.

Huh? I'm assuming their only motivation was, will always be, profit.

Not prior to the 1980s. The only insurers in the health arena were the Blues, and they were non-profit.

Yeah. They were all in it for goodwill and the like. Are you really claiming that before 1980 insurance companies weren't motivated by profit?? Do you really expect such a claim to be taken seriously?

Blue Cross and Blue Shield were nonprofit organizations. Do you know what a nonprofit organization is?

I guess you are. Come back to the light....

No, I'm not a nonprofit organization. I think I see the problem here.

 

[OnePercenter]

If your healthcare is too expensive, thank your insurance and healthcare provider (mostly one in the same) and Reagan for screwing with the HMO act. Screwing with the middle class consumer is ALWAYS Republican caused.

Can't deny that. Which is why I wonder why we're rewarding them with guaranteed income.

Who's 'them?'

insurance companies and healthcare providers.

How is ACA rewarding a business providing a service?

 

[dblack]

Huh? I'm assuming their only motivation was, will always be, profit.

Not prior to the 1980s. The only insurers in the health arena were the Blues, and they were non-profit.

Yeah. They were all in it for goodwill and the like. Are you really claiming that before 1980 insurance companies weren't motivated by profit?? Do you really expect such a claim to be taken seriously?

Blue Cross and Blue Shield were nonprofit organizations. Do you know what a nonprofit organization is?

I guess you are. Come back to the light....

No, I'm not a nonprofit organization. I think I see the problem here.

Listen - I see no point in torturing you on this. Everyone slips in a heated debate. But if you want to hang on to the claim that insurance companies weren't motivated by profit, prior to 1980, you'll need to come up with some supporting evidence. Got links?

 

[dblack]

If your healthcare is too expensive, thank your insurance and healthcare provider (mostly one in the same) and Reagan for screwing with the HMO act. Screwing with the middle class consumer is ALWAYS Republican caused.

Can't deny that. Which is why I wonder why we're rewarding them with guaranteed income.

Who's 'them?'

insurance companies and healthcare providers.

How is ACA rewarding a business providing a service?

By forcing customers to buy their "service" whether they want it or not.

 

[Arianrhod]

Not prior to the 1980s. The only insurers in the health arena were the Blues, and they were non-profit.

Yeah. They were all in it for goodwill and the like. Are you really claiming that before 1980 insurance companies weren't motivated by profit?? Do you really expect such a claim to be taken seriously?

Blue Cross and Blue Shield were nonprofit organizations. Do you know what a nonprofit organization is?

I guess you are. Come back to the light....

No, I'm not a nonprofit organization. I think I see the problem here.

Listen - see no point in torturing you on this. Everyone slips in a heated debate. But if you want to hang on to the claim that insurance companies weren't motivated by profit, prior to 1980, you'll need to come up with some supporting evidence. Got links?

Tell the class how a nonprofit organization really isn't. This should be fascinating...

 

[dblack]

Yeah. They were all in it for goodwill and the like. Are you really claiming that before 1980 insurance companies weren't motivated by profit?? Do you really expect such a claim to be taken seriously?

Blue Cross and Blue Shield were nonprofit organizations. Do you know what a nonprofit organization is?

I guess you are. Come back to the light....

No, I'm not a nonprofit organization. I think I see the problem here.

Listen - see no point in torturing you on this. Everyone slips in a heated debate. But if you want to hang on to the claim that insurance companies weren't motivated by profit, prior to 1980, you'll need to come up with some supporting evidence. Got links?

Tell the class how a nonprofit organization really isn't. This should be fascinating...

Waiting for links supporting your ridiculous claim. Then we'll talk about "non-profit" corporations.

 

[Arianrhod]

Blue Cross and Blue Shield were nonprofit organizations. Do you know what a nonprofit organization is?

I guess you are. Come back to the light....

No, I'm not a nonprofit organization. I think I see the problem here.

Listen - see no point in torturing you on this. Everyone slips in a heated debate. But if you want to hang on to the claim that insurance companies weren't motivated by profit, prior to 1980, you'll need to come up with some supporting evidence. Got links?

Tell the class how a nonprofit organization really isn't. This should be fascinating...

Waiting for links supporting your ridiculous claim. Then we'll talk about "non-profit" corporations.

As I have made no such claim, you'll have to be more specific about what it is you're confused about.

 

[OnePercenter]

By forcing customers to buy their "service" whether they want it or not.

Like auto insurance, under ACA a person isn't forced to buy healthcare insurance, you can post a bond to protect taxpayers from a possible liability on your part.