Repealing Obamacare

[Minstrel]

I am sure it would change their perspective, and even
more important remove some fear.

Politicians feeling beholden to their constituents tends to seem like a bad thing when what you want done is unpopular and a pretty good thing when what you don't want done is unpopular.

 

[MarAzul]

Politicians feeling beholden to their constituents tends to seem like a bad thing when what you want done is unpopular and a pretty good thing when what you don't want done is unpopular.

Having Politician define what product will be sold by private companies may be popular with Democrats but it is totally illogical. That should be between the Insurance company and the customers.
Trying to convert this system into something closer to what would be a government single payer program, leaves you with neither. It doesn't work, and nobody is talking about actually fixing this.
It actually can not even be repealed, since the some damages already done can not be corrected. But yet, that is the only logical begining point.

Replacement should leave the insurance companies completely free, including allowing them to compete interstate (across state-lines) and adding, if you want, what ever Government program or expanding existing that has the needed support.

Instead, they screwed everything up and are still working on doing it some more, which can only leave us with something nobody wants.

 

[Minstrel]

Having Politician define what product will be sold by private companies may be popular with Democrats but it is totally illogical. That should be between the Insurance company and the customers.

That's like saying that regulating arsenic out of food products is totally illogical, it should be between the food company and their (former, now deceased) customers. I get that conservatives insist that all regulation is evil, but I wouldn't call it "totally illogical"--it's a matter of philosophy.

 

[barfo]

Replacement should leave the insurance companies completely free, including allowing them to compete interstate (across state-lines) and adding, if you want, what ever Government program or expanding existing that has the needed support.

I'm a little unclear on the appeal of the 'across state lines' argument (or as Trump calls it, "lines around the states"). The reason insurance companies have per-state plans is that the states have per-state regulations. To sell plans across state lines means removing the ability of states to regulate insurance companies and replacing that with federal regulation.

Which would seem to go against your usual argument for states rights and federal rules are bad bad bad.

barfo

 

[MarAzul]

Which would seem to go against your usual argument for states rights and federal rules are bad bad bad.

This is close to right Barf. but it is not entirely regulation individually by states that is the reason for this. More often than not it taxation being the reason, an this is protected with the excuse of regulation. In the end, it a barrier to groups of people or groups of small business from forming to purchase insurance.

It has never made sense to me that state want to tax healthcare insurance while at the same time wanting to have the Federal government aid people in getting affordable healthcare..
It's more of a power struggle than making any sense.

Ha! Oregon just made it more difficult with the new tax they slapped on health insurance. Our democrats don't much care, you can't buy insurance in some counties now, since Obama Care.
But they are going to tax it where you can buy it.

 

[SlyPokerDog]

Ha! Oregon just made it more difficult with the new tax they slapped on health insurance. Our democrats don't much care, you can't buy insurance in some counties now, since Obama Care.

Which Oregon counties can't get health insurance now?

 

[Rastapopoulos]

 

[Rastapopoulos]

 

[barfo]

“Obama’s complaints about Republicans stopping his agenda are BS since he had full control for two years. He can never take responsibility.”

— Donald Trump, on Twitter, September 26, 2012.

barfo

 

[barfo]

This is close to right Barf. but it is not entirely regulation individually by states that is the reason for this. More often than not it taxation being the reason, an this is protected with the excuse of regulation. In the end, it a barrier to groups of people or groups of small business from forming to purchase insurance.

Ok, so you are in favor of federal taxes rather than state taxes in order to fund healthcare. I can dig it, I'm all for a national system rather than 50 state systems. Glad we are on the same side for once.

barfo

 

[barfo]

Buh Bye?

barfo

 

[SlyPokerDog]

 

[MarAzul]

I can dig it

no, I don't think you did. But we will leave there.

 

[MarAzul]

regulation

Regulate? Defining the product is not regulation. But we know Democrats want this, well we have it. Unless it is repealed, we are stuck with it.

 

[3RA1N1AC]

Lol. What a bunch of clowns. All they did was talk about this for what, 8 years? All horns, no beef.

Losers.

It's so pathetic you almost feel bad for them. It's like some dude who spits mad game all night and then can't get a boner. Total letdown.

 

[Denny Crane]

Insurance is a business, it's about risk, and it's not a charity. They have actuaries that figure out what to charge people based upon the risk of payment.

Insurance is not health care. You can go to the doctor and pay yourself. The VA is not insurance. Insurance is not required.

The way it works is a product of government regulations, no wonder it's outrageous. The more government got involved, the more costly it's all become.

When SlyPokerDog gets pregnant, he'll be able to take advantage of HIS coverage. In the mean time, whine about how expensive it is while paying for coverage he'll never possibly use. That's just nuts.

Now feel free to continue your rants. You're thinking with your hearts and not your brains.

 

[Denny Crane]

If it were up to me, the government would open their own hospitals and clinics, hire their own doctors and nurses and staff, buy their own MRI machines and whatnot, and provide CARE for cost. It's paid for like the post office is (the PO charges for stamps and shipping and boxes and so on). The cost of subsidizing access for the poor would be a pittance in comparison with the current schemes (both ObamaCare and what republicans proposed).

How moronic is it to cut the insurance companies in?

The government can compete and leave everyone else's insurance alone. Everyone could have kept their insurance, kept their doctor.

 

[Denny Crane]

Yes.

I agree with you for the 2nd time in two days!

 

[Minstrel]

Regulate? Defining the product is not regulation.

They're not defining a product, they're instituting regulations about the minimum coverage it needs to have, to prevent splitting insurance customers into two pools: young and healthy who buy cheap, bare-bones plans and people with any health risk factors at all who's health insurance would be sky-high because they'd be the only ones buying plans that have any real coverage.

 

[crandc]

You are saying women should pay increased premiums because they are the only ones who can have babies. That's ridiculous.

Exactly how it worked before the Affordable Care Act. I would argue I have no plans to have children. Men are more likely to engage in risky behavior. Men are more likely to have heart attacks. But being a woman was a pre-existing condition and therefore women paid more. A few states, including California, had laws against such discrimination but many did not. I also had"junk insurance" where my premiums were charitable donations to insurance company because they covered nothing, no preventive care, no prescriptions, no office visits, no dental, not one single thing I used.

Also, I recall when I was in Portland and had endometriosis that my insurance, and I was working at Emanuel Hospital, covered all prescription medications except oral contraceptives. No matter the purpose. Because they are not health care, they were considered "voluntary".

Or just the sluts should not expect to have our slut pills covered.

 

[Denny Crane]

Insurance should really be to cover catastrophic events, like a car accident (in the case of auto insurance), death (in the case of life insurance), or major medical incident (break a leg, need surgery, etc.).

Insurance might offer preventative incentives if they determine that saves them from future catastrophic payouts.

Insurance doesn't cover maxi pads or makeup (to name two obvious things).

 

[riverman]

Insurance should really be to cover catastrophic events, like a car accident

I've definitely lost out on cost vs payout from auto insurance....add up what I've paid and what I've received and they've made a fortune off my contributions...a friend of mine worked for an insurance agency and his job was to keep his insurance company from paying out auto accident claims...he showed me a list once of ways insurance companies can get out of paying victims who have paid monthly for insurance as long as they've had driving privileges.....once you stake a claim, the insurance company goes to work against your claim, not to help you with your claim very often.

 

[Denny Crane]

I've definitely lost out on cost vs payout from auto insurance....add up what I've paid and what I've received and they've made a fortune off my contributions...a friend of mine worked for an insurance agency and his job was to keep his insurance company from paying out auto accident claims...he showed me a list once of ways insurance companies can get out of paying victims who have paid monthly for insurance as long as they've had driving privileges.....once you stake a claim, the insurance company goes to work against your claim, not to help you with your claim very often.

Insurance fraud exists. How are the companies supposed to deal with it?

I've obviously had quite a few claims due to my condition. I've had to deal with the insurance company (Blue Shield) several times. They've been awesome, actually.

I got a $8000 bill for a biopsy test from the lab. They only wanted me to pay $800+ of it. I called the insurance company and they gave me a waiver for the test and paid the lab. My cost ended up being $30.

Both our stories are anecdotal.

 

[SlyPokerDog]

I would love to see what companies like Geico and Progressive pay in advertising vs claims.

 

[Sedatedfork]

So, not sure Trump really understands what health insurance is...

 

[Sedatedfork]

Auto Insurance companies typically make money by taking the premium dollars, investing them in financial products and then handling claims as a loss. Insurance companies still make money even if the claims exceed the premiums. Often with insurance the first premium or two typically go to the agent and then they will get cuts on renewals.

 

[Denny Crane]

So, not sure Trump really understands what health insurance is...

He's making perfect sense. He's saying it's hard to take away someone's government service. Those who have preexisting conditions now expect insurance from cradle to grave.

 

[Sedatedfork]

He's making perfect sense. He's saying it's hard to take away someone's government service. Those who have preexisting conditions now expect insurance from cradle to grave.

So, health insurance costs $12 a year and then you have a pretty good plan when you are 70... yeah, makes a lot of sense. I think he's confusing health insurance with life insurance.

 

[SlyPokerDog]

So, health insurance costs $12 a year and then you have a pretty good plan when you are 70... yeah, makes a lot of sense. I think he's confusing health insurance with life insurance.

"Nobody knew health care could be so complicated"

- Donald Trump

 

[Denny Crane]

So, health insurance costs $12 a year and then you have a pretty good plan when you are 70... yeah, makes a lot of sense. I think he's confusing health insurance with life insurance.

As you get older, you use more health care services. From a business standpoint, you should pay more.

"As they get something it gets tougher."