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(Townhall)   By passing laws to force insurance companies to cover things that have nothing to do with risk, politicians force up the cost of insurance   (townhall.com) divider line 116
    More: Obvious, insurance companies, health insurance, politicians force  
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1121 clicks; posted to Politics » on 28 Aug 2012 at 8:23 AM (1 year ago)   |  Favorite    |   share:  Share on Twitter share via Email Share on Facebook   more»



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2012-08-28 07:28:31 AM
Those poor insurance companies. They lobby so hard in congress to try and charge us...less?
 
2012-08-28 07:44:52 AM
Yeah... If those laws were repealed I wouldn't hold my breath on them lowering their rates.
 
2012-08-28 07:58:15 AM
Foreseeable events are not a risk.

Sure they are; they just happen to have a 100% certainty.
You know what else is a forseeable event? Dying. And yet we have a life insurance industry.
 
2012-08-28 07:59:19 AM
Annual checkups are part of risk management, you twatwaddle. They help prevent bigger expenditures and save money in the long run.
 
2012-08-28 08:06:36 AM
The problem of "pre-existing conditions" is a problem largely because of the way that politicians have written the laws -- more specifically, by giving a tax break to employer-provided health insurance. If individuals bought their own health insurance, with the same tax advantages, the fact that an illness occurred after they changed employers would not make it a "pre-existing condition."

If people paid for their health insurance out of pocket instead of having provided as a function of their pay by their employer, then no one would ever lose their insurance when they switched jobs, and therefore no one would ever have a pre-existing condition.

What about someone born with a pre-existing condition?
What about someone who gets laid off and can't afford to keep the coverage? What's the difference between being laid off and losing your employer-provided coverage and being laid off and unable to keep buying your own?

You want to know a plan that actually would get rid of the pre-existing condition problem? Single payer.
 
2012-08-28 08:09:49 AM
And the insurance industry was happy to bear these costs, in exchange for mandatory coverage.

But yeah, this just kicks the can down the road another 10-15 years. Single payer (Medicare for All) is where this is headed.
 
2012-08-28 08:21:20 AM

Bladel: Single payer (Medicare for All) is where this is headed.


let's hope.
 
2012-08-28 08:24:53 AM
Sure they do, Townhall. Sure they do.
 
2012-08-28 08:27:43 AM
I understand the qualms people have with government-run healthcare, but how anyone can defend our bloated, wasteful system in its current form is simply beyond me. Even my father agrees that our healthcare system is a total POS but he decries "Obamacare" every chance he gets. "Do nothing" seems to be the mantra of those against the ACA.
 
2012-08-28 08:28:05 AM
Why not just remove insurance companies from the whole health care game altogether and go with single provider?
 
2012-08-28 08:32:19 AM
Trollmitter be gone
 
2012-08-28 08:32:52 AM

Bladel: And the insurance industry was happy to bear these costs, in exchange for mandatory coverage.

But yeah, this just kicks the can down the road another 10-15 years. Single payer (Medicare for All) is where this is headed.


but not for about 30 years, because healthcare is now "fixed", the publics attention has moved on, and the insurance lobby is even more powerful.
 
2012-08-28 08:33:27 AM

MayoSlather: Those poor insurance companies. They lobby so hard in congress to try and charge us...less?


American Insurance companie's jobs are to take in money, not give it out. they call it profit. make claims about protection, take in the fear money, and when it comes time to pay show the poor sap the fine writing that excludes their claim.

its quite profitable

and if you need certain laws changed, just pay off the key congressmen.
 
2012-08-28 08:33:50 AM
I'm sure that the author fought against laws requiring Viagra be covered and fought for birth control being covered. There's no risk associated with a man not being able to get it up. There are lots of risks associated with pregnancy.
 
2012-08-28 08:35:11 AM

Karac: Foreseeable events are not a risk.

Sure they are; they just happen to have a 100% certainty.
You know what else is a forseeable event? Dying. And yet we have a life insurance industry.



they would insure taking a dump if they could figure out how to and how to convince folks it was a good idea to have coverage.
 
2012-08-28 08:35:31 AM
Thanks, Obama. We were already facing a shortage of more than 100,000 doctors by 2025, and now hundreds of thousands more doctors will be leaving the profession because of Obamacare.
 
2012-08-28 08:36:57 AM
Annual checkups,

If people get annual checkups, doctors can find problems early on, instead of waiting until someone has stage 3 cancer, they could catch it early.

If automobile insurance covered the cost of oil changes or the purchase of gasoline, then both oil changes and gasoline would have to cost more, to cover the additional bureaucratic work involved

Well yes, but you can't compare auto insurance to health insurance this way.

In the case of health insurance, however, politicians love to mandate things that insurance must cover,

Because if they didn't, the insurance companies would screw everyone, like they have always done in the past.
 
2012-08-28 08:37:10 AM
Foreseeable events are not a risk.

If you don't know what risk is, maybe you shouldn't write an article that hangs its entire premise on how risk works.
 
2012-08-28 08:38:18 AM
By passing laws to force insurance companies to cover things that have nothing to do with risk, politicians force up the cost of insurance.

That's why we need a single payer system, not private insurance to cover the health and well-being of Americans.
 
2012-08-28 08:38:49 AM
"Insurance companies should not have to cover preventative care, just emergency room visits caused by a lack of preventative care."

Oh, Thomas Sowell. What will you come up with next?
 
2012-08-28 08:39:24 AM

Ned Stark: Bladel: And the insurance industry was happy to bear these costs, in exchange for mandatory coverage.

But yeah, this just kicks the can down the road another 10-15 years. Single payer (Medicare for All) is where this is headed.

but not for about 30 years, because healthcare is now "fixed", the publics attention has moved on, and the insurance lobby is even more powerful.


Many people were content to keep kicking the old. broken healthcare down the road for another thirty years or so. That's what they have been doing for the previous 30 years or so. Now people on both sides of the political spectrum want change. I don't think we can go back.
 
2012-08-28 08:40:32 AM

karnal: Thanks, Obama. We were already facing a shortage of more than 100,000 doctors by 2025, and now hundreds of thousands more doctors will be leaving the profession because of Obamacare.


Leaving the profession for what?
 
2012-08-28 08:41:09 AM
Forgive me if I don't trust the party of "They will great us as liberators" when it comes to risk assessment.
 
2012-08-28 08:41:33 AM
FTFA:Annual checkups are no cheaper when they are covered by an insurance policy. On the contrary, they are one of many things that are more expensive when they are covered by an insurance policy.

All the paperwork, record-keeping and other things that go with having any medical procedure covered by insurance have to be paid for, in addition to the cost of the medical procedure itself.

If automobile insurance covered the cost of oil changes or the purchase of gasoline, then both oil changes and gasoline would have to cost more, to cover the additional bureaucratic work involved.


Yes, but getting your oil changed lowers your total cost of ownership because it keeps your engine in shape and little problems can be dealt with before they become big problems. This is why some car companies that give nice long warranties also give you free tune-ups and oil changes, since it costs them less to make sure this is done than to deal with the result of not having it done.

Kind of similar to, I don't know... medical checkups?
 
2012-08-28 08:42:10 AM

I_Am_Weasel: Annual checkups are part of risk management, you twatwaddle. They help prevent bigger expenditures and save money in the long run.


And in the long run, we need to move away from fee-for-service models of healthcare reimbursement, anyway. They tend to create perverse incentives for medical care.

The reimbursement plan of the future will be one of value, not volume, where providers are paid to keep their population of patients healthy, not paid for each service they do.
 
2012-08-28 08:42:33 AM

dervish16108: That's why we need a single payer system, not private insurance to cover the health and well-being of Americans.


4.bp.blogspot.com
 
2012-08-28 08:42:55 AM
agreed! lets do single-payer
 
2012-08-28 08:44:36 AM

Linux_Yes: American Insurance companie's jobs are to take in money, not give it out. they call it profit. make claims about protection, take in the fear money, and when it comes time to pay show the poor sap the fine writing that excludes their claim.


Most American Insurance companies are non-profits. And most ultimately care about the health of an individual. They don't sit in a board room cackling over how much money they can steal from you.

/was employed by one for the last 2 years
 
2012-08-28 08:45:43 AM

goodbomb: agreed! lets do single-payer


upload.wikimedia.org
 
2012-08-28 08:46:21 AM

goodbomb: agreed! lets do single-payer


Yes, and we don't need complicated programs running thousands of pages long. The law would basically boil down to: "If you do not qualify for Medicare, you should have a guaranteed ability to buy it."

Keeps folks insured and keeps Medicare funded. What's more American than that?
 
2012-08-28 08:46:50 AM

dervish16108: That's why we need a single payer system, not private insurance to cover the health and well-being of Americans.


Who is going to deliver on that single payer system? Private companies. Which already handle the bulk of medicare claims. And considering that only this year did the federal government put in a system to detect anomalies in data that would point to fraud - I'm quite happy that's the case.
 
2012-08-28 08:49:53 AM

gingerjet: Linux_Yes: American Insurance companie's jobs are to take in money, not give it out. they call it profit. make claims about protection, take in the fear money, and when it comes time to pay show the poor sap the fine writing that excludes their claim.

Most American Insurance companies are non-profits. And most ultimately care about the health of an individual. They don't sit in a board room cackling over how much money they can steal from you.

/was employed by one for the last 2 years


You'd hope so. For profit health insurance is not only unethical it should be illegal.
 
2012-08-28 08:49:54 AM

gingerjet: They don't sit in a board room cackling over how much money they can steal from you.


Of course not. They're incapable of laughter. Instead they just sit there and say "Maniacal laugh" over and over.
 
2012-08-28 08:50:52 AM
If automobile insurance covered the cost of oil changes or the purchase of gasoline, then both oil changes and gasoline would have to cost more, to cover the additional bureaucratic work involved.

It's an incredibly thin analogy. Let me make that apple look more like an orange for a second.

If you drove your car around and didn't change the oil like you were supposed to, and eventually threw a rod, you could have your car towed to the nearest garage, and the mechanics would have to rebuild your engine. In fact, they must fix it regardless of your ability to pay.
 
2012-08-28 08:50:58 AM

karnal: Thanks, Obama. We were already facing a shortage of more than 100,000 doctors by 2025, and now hundreds of thousands more doctors will be leaving the profession because of Obamacare.


Any doctor that would quit over this law are doctors you wouldn't want to be cared for by, anyway, especially because the PPACA was good for doctors - it mostly left them alone, but by cutting the number of uninsured, doctors will have an easier time to get paid.
 
2012-08-28 08:51:07 AM
DeaH

karnal: Thanks, Obama. We were already facing a shortage of more than 100,000 doctors by 2025, and now hundreds of thousands more doctors will be leaving the profession because of Obamacare.

Leaving the profession for what?


Computer Programming
 
2012-08-28 08:52:12 AM

Carth: You'd hope so. For profit health insurance is not only unethical it should be illegal.


www.freespeechstickers.com
 
2012-08-28 08:54:39 AM

Karac: Foreseeable events are not a risk.

Sure they are; they just happen to have a 100% certainty.
You know what else is a forseeable event? Dying. And yet we have a life insurance industry.


Nice!
 
2012-08-28 08:55:47 AM

Bladel: Keeps folks insured and keeps Medicare funded. What's more American than that?


You mean... like a government run public option that would compete against the corporations?

images.sodahead.com
 

/y'all gonna be back in chains
 
2012-08-28 08:56:46 AM
Sum Dum Gai

karnal: Thanks, Obama. We were already facing a shortage of more than 100,000 doctors by 2025, and now hundreds of thousands more doctors will be leaving the profession because of Obamacare.

Any doctor that would quit over this law are doctors you wouldn't want to be cared for by, anyway, especially because the PPACA was good for doctors - it mostly left them alone, but by cutting the number of uninsured, doctors will have an easier time to get paid.


A survey, which was conducted by the Medicus Firm, a leading physician search and consulting firm based in Atlanta and Dallas, found that a majority of physicians said health-care reform would cause the quality of American medical care to "deteriorate" and it could be the "final straw" that sends a sizeable number of doctors out of medicine.

More than 29 percent (29.2) percent of the nearly 1,200 doctors who responded to the survey said they would quit the profession or retire early if health reform legislation becomes law.
 
2012-08-28 08:56:46 AM

ox45tallboy: Carth: You'd hope so. For profit health insurance is not only unethical it should be illegal.

[www.freespeechstickers.com image 425x159]


Just think of how much wealth and how many jobs we could create by instituting for profit police forces, fire departments, disaster relief and military!

Do you really believe that capitalism is the best solution to all essential services?
 
2012-08-28 08:57:33 AM

karnal: Thanks, Obama. We were already facing a shortage of more than 100,000 doctors by 2025, and now hundreds of thousands more doctors will be leaving the profession because of Obamacare.


And go where?
 
2012-08-28 08:58:06 AM

FlashHarry: Bladel: Single payer (Medicare for All) is where this is headed.

let's hope.


Yes, a plan that pays below market rates, one which has.doctors and hospitals denying new patients already.... That's.the plan we all hope for.

Are liberals still in denial that the below.market payments from Medicaid add a cost shift to private plans?
 
2012-08-28 09:00:02 AM
Is Hawkins a fark mod? Or just sucking one off?

Two Townhalls in a week is two too many, much less in a day.
 
2012-08-28 09:01:31 AM

ox45tallboy: goodbomb: agreed! lets do single-payer

[upload.wikimedia.org image 200x200]


Assholes like you biatch the loudest but when/if single payer hits, you'll be the first the take advantage of it and love it. No more fighting insurance companies to get simple things covered, no more trying to figure out complicated schemes to screw you out of the insurance you paid for, fair and square. No more "pre-approvals" to get needed procedures done. No more fear of thousands upon thousands of dollars of unnecessary medical debt. Oh the socialist horror, no more medical bankruptcies for life-saving procedures. Oh, and preventative care, you know, the kind that actually lowers medical expenses? Yeah, that'll be covered too.

I know you're a troll, but I'm practicing for a good facebook troll later this afternoon myself.
 
2012-08-28 09:01:51 AM

meat0918: Forgive me if I don't trust the party of "They will great us as liberators" when it comes to risk assessment.


Instead go believe the party who though Americans would fall in love with Aca once passed? You mean both parties overestimated their positions? Tell me more.
 
2012-08-28 09:02:42 AM

karnal: A survey, which was conducted by the Medicus Firm, a leading physician search and consulting firm based in Atlanta and Dallas, found that a majority of physicians said health-care reform would cause the quality of American medical care to "deteriorate" and it could be the "final straw" that sends a sizeable number of doctors out of medicine.

More than 29 percent (29.2) percent of the nearly 1,200 doctors who responded to the survey said they would quit the profession or retire early if health reform legislation becomes law.


Many doctors are extremely conservative and not very well educated about what the law actually does.
 
2012-08-28 09:05:20 AM

gingerjet: Most American Insurance companies are non-profits. And most ultimately care about the health of an individual. They don't sit in a board room cackling over how much money they can steal from you.


Riveting show, chap.

Ling

Ling

I'm sure there are investment firms that care about their clients, as well, but the fact is that Goldman Sachs and the other big boys don't, and they control the industry.
 
2012-08-28 09:06:35 AM
Don't worry. By bailing out AIG, they proved that risk isn't a thing that sufficiently large corporations need to actually worry about.
 
2012-08-28 09:08:20 AM

bitterfly2die: And go where?


They'll strap on their job helmets, and squeeze into a job cannon and fire off into job land, where jobs grow on jobbies!
 
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