Republicans Jamming It Up Your Ass

[oncemoreuntothejimbreech]

(03-11-2017, 12:37 AM)bfine32 Wrote: What was his question that required an answer?

I did see he asked a rhetorical question that required no response. 

I too think citizen care is more important that insurance company profits. But I don't see the relevance. 

You don't see the relevance between patient care and insurance profits?

[oncemoreuntothejimbreech]

(03-11-2017, 03:16 AM)Benton Wrote: I sell pies for $2.

Everybody pays $2.

I tell everybody if they'll provide their own oven (and thereby lower my price) I'll sell them a pie for $1... but only if their oven meets my specs. If it looks dirty, then you pay $2, or maybe you don't even get a pie. Don't want me looking in your oven? Pay the standard $2 and we both take our chances.

I'm not forcing anyone to buy a pie at a higher rate. I'm just offering it at a lower rate to some if it looks like it will lower my cost. 

I have a family history of Type 1 diabetes, and familial ALS. There's no way I'd submit to a genetic test because (most likely) I'd be flagged. I imagine the overwhelming majority of the population would be flagged for one potential illness or another. But I have no issue with companies offering me a lower rate if I'm dumb enough to participate. 

Yeah, but you previously sold the pies for $1 dollar each. Then Obamacare came along and forced you to sell pies to homosexuals wanting to get married. So then you started charging everyone $2 per pie. Unless your customers submit a hetero porn of themselves, then they get the "discounted" price of $1 each; same price as before.

Penalizing everyone and marketing the hoops they make people jump through as a discount is brilliant marketing.

I hope the Brown family doesn't find out because they will jack up prices on tickets then offer "discounts" to fans who participate in their "Premium Loyalty Program."

[BmorePat87]

(03-11-2017, 12:58 AM)NATI BENGALS Wrote: If you choose privacy you risk penalty. You can word that however you like. 

Getting charged the standard rate isn't a penalty. 

[BmorePat87]

(03-11-2017, 01:06 AM)bfine32 Wrote: We discussed this in a Business Law class and it was one of the things I liked about the ACA (at least I think it was part of it, as it is not my discipline).

They had programs where insurance companies could give you discounts if you tracked your fitness (signing into gym, wearing fitness tracker, ect..). This was voluntary of course, you could choose privacy but you didn't get the discount. 

Same with having a good driving record or buying an energy efficient appliance and getting a kickback from the energy company.

This is a case of people misreading a law and thinking the worst.

[BmorePat87]

(03-11-2017, 08:33 AM)oncemoreuntothejimbreech Wrote: In my experience, wellness programs are a reaction to Obamacare. Insurance companies can't deny you for a pre-existing condition. So they increase the rates for everyone (effectively a penalty for everyone.) Then for the few who jump through the hoops required, they get an "incentive" which really penalty forgiveness.

If they're covering all conditions now and their margins are already relatively low, I would assume premiums would go up for everyone. I absolutely should be able to get a little something back if I am healthier. 

[oncemoreuntothejimbreech]

(03-11-2017, 08:19 AM)JustWinBaby Wrote: I assume you meant to say you have no issue with companies offering a lower rate if your health history merits it.

However, I will agree insurance should operate with fewer risk pools. That would be a socially equitable redistribution.

Classic example of how this scam works. JustWinBaby will charge Benton the same amount for health insurance as someone with a prior heart attack, coronary artery disease, hyperlipidemia, hypertension, diabetes, obesity, obstructive sleep apnea, and chronic bronchitis from 25 years of smoking until Benton proves otherwise. Rather than the other way around.

So Benton has to take a day off from work (which his employer frowns upon) or see his doctor on his day off (if he even has a PCP), pay a co-pay or out of pocket, get labs, drug screen, nicotine screen, possibly immunizations, etc, follow up through out the year, track his exercise online or with a coach on a help line, etc, etc so he can get his "discount" at the end of the year.

The idea is it takes a lot of time and effort for a healthy person to prove they are healthier than the person in my example.

So instead of charging only the sick person more, insurance companies charge the sick person and Benton more until or if Benton jumps through the hoops.

Now the next step in this scam is for JustWinBaby to blame Benton for being charged the same as a chronically ill person, although who gets charged what is a matter of company policy.

[Rotobeast]

(03-11-2017, 12:05 AM)NATI BENGALS Wrote: Republicans are in power. So you better believe there is an assault in progress on lower and middle class Americans.

This one is a mind blowing invasion of privacy.
http://m.fox19.com/fox19/db/330522/content/t4dSGVpA

But what do you expect when you put the ones who fight tooth and nail for big business in power?

Down party lines. Republicans say your genetic testing information and family medical history go to your employer or you can be penalized.

Hmm. Republicans looking out for the working class? Or giving big business a legal intrusion into your private life and something to consider when they are in a mad dash to maximize profits.

Well Timmy is getting old and he does have a family history of cancer and diabetes. If we fire him now that year of unemployment will be a lot less expensive than his potential health issues on our company plan.

Thanks Republicans! Always looking out for the people. In no way could I see this one having negative consequences on the working class.

Holy shit...

(03-11-2017, 07:53 AM)NATI BENGALS Wrote: Where is the part if you take the deal and get a $1 pie they are able share and sell your internet browser history?

If you're not already heading that direction, you'll make a fine Libertarian someday.

[Benton]

(03-11-2017, 08:19 AM)JustWinBaby Wrote: I assume you meant to say you have no issue with companies offering a lower rate if your health history merits it.

However, I will agree insurance should operate with fewer risk pools.  That would be a socially equitable redistribution.

nay, in my case it would be stupid ti take part. If they considered ALS a preexisting condition based off my genes, then decide not to pay if I "get" it, that would be a pretty dumb gamble on my part to save a few thousand dollars.

[*bfine32*]

(03-11-2017, 08:35 AM)oncemoreuntothejimbreech Wrote: Do you think you should be charged more because your Dad wrecked his car, but you haven't?

Sure, if you family has a history of wrecking cars. I did notice you didn't answer the question. Surprising?

[*bfine32*]

(03-11-2017, 08:37 AM)oncemoreuntothejimbreech Wrote: You don't see the relevance between patient care and insurance profits?

Nope.

[xxlt]

(03-11-2017, 12:05 AM)NATI BENGALS Wrote: Republicans are in power. So you better believe there is an assault in progress on lower and middle class Americans.

This one is a mind blowing invasion of privacy.
http://m.fox19.com/fox19/db/330522/content/t4dSGVpA

But what do you expect when you put the ones who fight tooth and nail for big business in power?

Down party lines. Republicans say your genetic testing information and family medical history go to your employer or you can be penalized.

Hmm. Republicans looking out for the working class? Or giving big business a legal intrusion into your private life and something to consider when they are in a mad dash to maximize profits.

Well Timmy is getting old and he does have a family history of cancer and diabetes. If we fire him now that year of unemployment will be a lot less expensive than his potential health issues on our company plan.

Thanks Republicans! Always looking out for the people. In no way could I see this one having negative consequences on the working class.

Holy shit...

It couldn't be any clearer. And yet... look around you. One explanation is lead poisoning. Another is mercury. But, no, I'm going to have to go Obama on this one. Yep. I blame Obama.

[oncemoreuntothejimbreech]

(03-11-2017, 12:18 PM)bfine32 Wrote: Sure, if you family has a history of wrecking cars. I did notice you didn't answer the question. Surprising?

Maybe you should have paid more attention to my question. Your Dad wrecked the car, not you. Why should you pay more for something you didn't do? You shouldn't. You should be charged more if you wreck your own car. Everyone who drives is at risk for having an accident, but not everyone does have an accident. That is the difference between being at risk for a disease and actually having the disease. People in the Southeastern US are more at risk for certain types of disease than people from New England. Do you believe insurance companies should be able to charge people more if the live in the Southeastern US? I don't.

Plus this isn't a Worker's comp injury, so your employer doesn't have the right to your private medical information. Nor is your employer involved in your treatment so again they don't have a right to your private medical information.

[oncemoreuntothejimbreech]

(03-11-2017, 12:19 PM)bfine32 Wrote: Nope.

Medical care costs money. The more insurance pays for the less they profit.

[Beaker]

(03-11-2017, 12:05 AM)NATI BENGALS Wrote: Republicans are in power. So you better believe there is an assault in progress on lower and middle class Americans.

I stopped reading after this echo chamber rhetoric.

[Yojimbo]

(03-11-2017, 12:15 AM)HarleyDog Wrote: When rich people get richer, people are working. When you take money from the rich, jobs are lost. Not that hard to understand.

Apparently it is. You should try taking an Economics class. Rich people don't get a tax break and say to themselves "What should I do with this extra money? I know. I'll higher more employees even though there isn't an increase in demand for my products."

Jobs are created when the CONSUMERS are buying more stuff. If corporations and the billionaire class really needed to make more money, they'd pay their employees more money. We need a lot more Henry Fords running companies these days. Study, after study, after study has proven that the economy grows faster and stronger and everybody gets wealthier when better wages and tax breaks are given to the lower and middle class than to the upper class.

[JustWinBaby]

(03-11-2017, 08:33 AM)oncemoreuntothejimbreech Wrote: In my experience, wellness programs are a reaction to Obamacare.

Neat!  Those are a great idea....and they never existed before Obamacare!

[JustWinBaby]

(03-11-2017, 09:51 AM)oncemoreuntothejimbreech Wrote: The idea is it takes a lot of time and effort for a healthy person to prove they are healthier than the person in my example.

You could have just written this one sentence and not rambled a bunch of contradictory stuff.

You agree it's not a scam and risk pools make sense?  And that healthy habits should be rewarded.  Got it.  Basically what I said and there was no need to waste everyone's time with the rest of your nonsense.

[Belsnickel]

(03-11-2017, 12:15 AM)HarleyDog Wrote: When rich people get richer, people are working. When you take money from the rich, jobs are lost. Not that hard to understand.

Sooo, the rich have continually been getting richer for a while now, while the poor and middle-class have been staying pretty stagnant. In fact, the purchasing power they have has been on the decline.

[oncemoreuntothejimbreech]

(03-11-2017, 03:23 PM)JustWinBaby Wrote: Neat!  Those are a great idea....and they never existed before Obamacare!

I've worked in healthcare seeing patients and dealing with insurance on a weekly basis since 2002. What's your favorite experience?

[oncemoreuntothejimbreech]

(03-11-2017, 03:29 PM)JustWinBaby Wrote: You could have just written this one sentence and not rambled a bunch of contradictory stuff.

You agree it's not a scam and risk pools make sense?  And that healthy habits should be rewarded.  Got it.  Basically what I said and there was no need to waste everyone's time with the rest of your nonsense.

Like I wrote earlier, the next step in this scam is for JustWinBaby to blame the healthy patients for being charged the same as the chronically ill patients.