At what point during a job interview...
First Prev
of 6
Next Last

“Vader2016!”

Since: Sep 10

The Deathstar

#110 Jul 13, 2014
Scurge wrote:
<quoted text>
What fantasy world do you live in?
Do you have any idea how little married couples with or without kids on the way are able to save these days? Double incomes, and still they struggle to make their expenses. Even if they are budgeting themselves. They barely get by, add kids and whoosh! Savings gone!
This aint the 50's, or even the 60's...its 2014 and due to the severe change in course of the US economics savings became heretical, and spending on credit became the norm and Patriotic duty! Because the political Dogma became that we'd never hit a wall on growth, that the US could never falter, never face an economic downturn as long as we kept spending and shifting manufacturing and jobs overseas. Because that was the Holy proclamation!
Special newcomer!? And if the kid is really special as in special needs, dolts like you want to take away that aspect of their health coverage too, because after all they made a choice to have kids...so let them pay for it all, and do the special care too!
Its all about getting the child born to you alleged Pro-life Christians, its never about the actual care of the child or the parents. Just get that damn thing born!
IKR!

The guy is completely unrealistic.
Cisco Kid

Sonora, CA

#111 Jul 13, 2014
Big Al wrote:
<quoted text>
That’s right and many people that pay for auto insurance will never have a claim. Any time anyone operates a vehicle there is a risk of an accident, and forcing everyone to have insurance coverage spreads the cost of all accidents among all drivers even the ones that never have an accident. That’s how insurance works! No one knows for sure that they will never need auto insurance.
<quoted text>
All citizens are at risk of needing some form of healthcare at some point in their lives. People without healthcare insurance are less likely to go to medical professionals for preventive care and are therefore more likely to need more costly care at some point in their lives and if they end up in an emergency room and cannot pay we all pay. Before the ACA this was the only industrialized country in the world that did not provide some sort of universal healthcare for its citizens.
You make good points, Al.
Insurance is all about many people paying an amount to a common fund to cover the less fortunate members while some members never needed to tap that coverage at all.

I've known people that have never made a claim on their auto insurance after decades of paying, BUT they are obligated to carry coverage.
Likewise, I've known people in their 80's that have never gone to a doctor unless they were broken or severely bleeding.
Remember, medical care IS a commission sales business in many ways, doctors check your insurance and keep the good fish returning all the time.

Before Obama's Unaffordable Healthcare Act people could choose the level of coverage they wanted and were not forced to purchase coverage they didn't need and couldn't afford.
There never was any denial of service to anybody because The Healthcare Act of 1982 guaranteed care to anybody at any hospital emergency room.
There was also government assistance medical coverage.
.Not much different than now, it was all taxpayer assisted too, just like the ACA, but better.
Big Al wrote:
<quoted text>
The cost of an individual plan is based on the likelihood that an individual will use any of the required benefits. Employer provided group plans which are much less expensive, similarly, are based on the likelihood that the employees of that business will use the various required coverages. If a business happened to be all single males the rates charged would reflect the fact the insurance company knows they will not have to pay for contraceptives or pregnancies.
<quoted text>
People that buy individual healthcare policies are still able to choose from among the policies offered by the various competing insurance companies. The appeal of employer provided group policies is that they are much less expensive. The new rules prevent insurance companies from selling “junk” policies that cover virtually nothing by specifying what must be covered.
But you neglect the fact that now ALL plans must conform to Obamacare's parameters and there is no allowance for plans with less inclusive coverage than others.
No matter how obvious the lack of that specific coverage is needed.
There is NO Choice in ACA coverage options.
Cisco Kid

Sonora, CA

#112 Jul 13, 2014
Scurge wrote:
<quoted text>
Why wont the health insurance industry open up their products to the free-market?
Why wont the Govt permit it?
I'm all for an actual opening of the market like we have in car insurance, like we have for home and boat and whatever else...but the HC industry providers seem to be against actual competition.....
Actually, neither auto insurance nor pre-ACA healthcare insurance is transmutable across state lines.
The reason is that State Insurance Commissioners decide what plans are eligible for sale in their respective states, which ones meet the coverage the particular state's insurance commission deems acceptable.

For decades now, Republicans in Congress have been calling for a change in this practice to make casualty insurance more affordable.
That way a company in Oklahoma could sell their lesser expensive product in California or New Jersey, for instance.

The protectionist Dems continually block this money saving solution to protect their crony donors.
Big Al

Springfield, MO

#113 Jul 14, 2014
Cisco Kid wrote:
<quoted text>
You make good points, Al.
Insurance is all about many people paying an amount to a common fund to cover the less fortunate members while some members never needed to tap that coverage at all.
I've known people that have never made a claim on their auto insurance after decades of paying, BUT they are obligated to carry coverage.
Likewise, I've known people in their 80's that have never gone to a doctor unless they were broken or severely bleeding.
Remember, medical care IS a commission sales business in many ways, doctors check your insurance and keep the good fish returning all the time.
Before Obama's Unaffordable Healthcare Act people could choose the level of coverage they wanted and were not forced to purchase coverage they didn't need and couldn't afford.
There never was any denial of service to anybody because The Healthcare Act of 1982 guaranteed care to anybody at any hospital emergency room.
There was also government assistance medical coverage.
.Not much different than now, it was all taxpayer assisted too, just like the ACA, but better.
<quoted text>
But you neglect the fact that now ALL plans must conform to Obamacare's parameters and there is no allowance for plans with less inclusive coverage than others.
No matter how obvious the lack of that specific coverage is needed.
There is NO Choice in ACA coverage options.
Before the ACA many people were paying for cheap “junk” policies that people found out (they didn’t read the fine print) paid for virtually nothing. That’s why specified coverages are necessary. However insurance companies still compete with each other on the various exchanges and the insurance companies aren’t dumb they will price their policies based on which coverages they are likely to have to pay for each individual or business and which they aren’t likely to have to pay for.

The number of Americans that do not have healthcare insurance has dropped by about 2 million to 3 million people so far since the implementation of the ACA according to Gallup-Healthways Well-Being survey. That’s a good thing for all of us whether you know it or not.
Cisco Kid

Sonora, CA

#114 Jul 14, 2014
Big Al wrote:
<quoted text>
Before the ACA many people were paying for cheap “junk” policies that people found out (they didn’t read the fine print) paid for virtually nothing. That’s why specified coverages are necessary. However insurance companies still compete with each other on the various exchanges and the insurance companies aren’t dumb they will price their policies based on which coverages they are likely to have to pay for each individual or business and which they aren’t likely to have to pay for.
You're reciting regime propaganda.
Nobody had junk policies, state insurance commissioners wouldn't allow that.

There is no such thing as specified coverage in Obamacare, it's MANDATED coverage.
That is why there is no real choice of options for people who don't need or want coverage that is irrelevant to their needs.

And Insurance companies ARE Dumb if they don't understand they will be out of business soon as the intended single payer insurance takes over, run by the government.
You know, like that vaunted Veterans Administration success. LOL!!
Big Al wrote:
The number of Americans that do not have healthcare insurance has dropped by about 2 million to 3 million people so far since the implementation of the ACA according to Gallup-Healthways Well-Being survey. That’s a good thing for all of us whether you know it or not.
Funny how the government isn't able to supply numbers of how many people have signed up for Obamacare and they are finding that many people who have applied haven't or can't even pay their bill.
Sounds pretty damn fishy to me.

But No, your numbers are wrong and the ACA has done little to decrease the number of uninsured.
In fact, the bumbling farce that Obamacare's exchange is has actually created MORE uninsured and underinsured people that once had policies they actually liked and could afford.
Here's proof from the census data.

Health Insurance Coverage Status and Type of Coverage by State--Persons Under 65: 1999 to 2012

Further, now the news is out that promised subsidies to assist people paying for the ACA are going to be non-existent.
Won't that make a lot of people drop their Change Goggles in disgust!
Cisco Kid

Sonora, CA

#115 Jul 14, 2014
The link didn't transfer well, but anybody can google the XL chart.

HIB-6. Health Insurance Coverage Status and Type of Coverage by State--Persons Under 65: 1999 to 2012 [XLS - 147k]
Big Al

Springfield, MO

#116 Jul 15, 2014
Cisco Kid wrote:
<quoted text>
You're reciting regime propaganda.
Nobody had junk policies, state insurance commissioners wouldn't allow that.
“Many people who believe they have adequate health insurance actually have coverage so riddled with loopholes, limits, exclusions, and gotchas that it won't come close to covering their expenses if they fall seriously ill, a Consumer Reports investigation has found.…Health insurance policies with gaping holes are offered by insurers ranging from small companies to brand-name carriers such as Aetna and United Healthcare. And in most states, regulators are not tasked with evaluating overall coverage.…People of modest means in many states might have no good options for individual coverage. Plans with affordable premiums can leave them with crushing medical debt if they fall seriously ill, and plans with adequate coverage may have huge premiums.”– Consumer Reports, Hazardous health plans: Coverage gaps can leave you in big trouble, May 2009
Cisco Kid wrote:
There is no such thing as specified coverage in Obamacare, it's MANDATED coverage.
That is why there is no real choice of options for people who don't need or want coverage that is irrelevant to their needs.
That’s right certain specific coverages are mandated (required) by the ACA in order to ensure that people are not paying for policies with inadequate coverage.
Cisco Kid wrote:
And Insurance companies ARE Dumb if they don't understand they will be out of business soon as the intended single payer insurance takes over, run by the government.
You know, like that vaunted Veterans Administration success. LOL!!
In 2011 Stephen Hemsley CEO of UnitedHealth Group Inc. made $13.4 million. He’s certainly wasn’t dumb about making money selling healthcare insurance policies that year.

The ACA is an attempt to provide healthcare for all American citizens using the private insurance sector. We’ll all have to wait and see how it works.
Cisco Kid wrote:
<quoted text>
Funny how the government isn't able to supply numbers of how many people have signed up for Obamacare and they are finding that many people who have applied haven't or can't even pay their bill.
Sounds pretty damn fishy to me.
But No, your numbers are wrong and the ACA has done little to decrease the number of uninsured.
In fact, the bumbling farce that Obamacare's exchange is has actually created MORE uninsured and underinsured people that once had policies they actually liked and could afford.
Here's proof from the census data.
Health Insurance Coverage Status and Type of Coverage by State--Persons Under 65: 1999 to 2012
Further, now the news is out that promised subsidies to assist people paying for the ACA are going to be non-existent.
Won't that make a lot of people drop their Change Goggles in disgust!
Look at the date of your census data, it doesn’t apply, it’s from 2012. People just started buying insurance through the various ACA exchanges in 2014.

Tell me when this thread is updated:

Subscribe Now Add to my Tracker
First Prev
of 6
Next Last

Add your comments below

Characters left: 4000

Please note by submitting this form you acknowledge that you have read the Terms of Service and the comment you are posting is in compliance with such terms. Be polite. Inappropriate posts may be removed by the moderator. Send us your feedback.

Christian Discussions

Title Updated Last By Comments
Cookie's Place (Oct '13) 50 min Cookie_Parker 20,080
Poll Was Paul a False Apostle? (May '08) 58 min Jesus Is 5,587
+++++++++++ THE SECRET to IMMORTALITY +++++++++++ (Nov '14) 1 hr Jesus Is 43
Evidence that Christianity is a fraud 1 hr Jesus Is 6
Why do you really believe in a god? 6 hr 10uhsee 648
Scientific Proof Of GOD(for dummies) 6 hr 10uhsee 1,380
News Religion, higher education and critical thinking (Aug '15) 7 hr KAB 8,360
Evidence Against God 8 hr 15th Dalai Lama 3,932
More from around the web