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all insurance companies should be NPOs
they are in the process of raising your health insurance in the next few weeks from anywhere from 15% - 25%!!!
they are doing this first to make themselves even more rich before the health reform passes, to piss the govt off, and to screw the ppl.
what I don't understand is how some common ppl are still backing the insurance companies. It is a fact they are EVIL.
IMO I am 100% behind any law that will screw them. goddam those mofos are evil!!!
all insurance companies should be NPOs
And with your support the government will be more than happy to oblige.
For a small fee of course..............
Insurance companies are evil...we want free health care, and they are making MONEY off our misfortunes!
The Govt is the ONLY solution to take care of us...it ain't evil like these guys and doesn't want our money!
Generalize much?
Just renewed a group in San Antonio of 47 employees. 22 of them have their dependents on the company's medical plan.
They were insured with Aetna; who, indeed proposed a 4% rate increase for the upcoming year. Blue Cross/Blue Shield, however, just wrote the case - with a 3% DECREASE in rates. Now, the premium is still significant: ~ $56,000 per month - but last year that case had a cancer patient that ALONE cost $480,000 - as well as a set of premature twins that set Aetna back over a quarter of a million EACH; Those three individuals cost more than the entire premium received last year by Aetna; SO - they ate ALL the other claims, AND offered a reasonable renewal for the upcoming year; the cancer patient died/the premie's grew up and got healthy, enough so that BC/BS is gonna take a flyer on the group, and hope for the upcoming year the group is healthier.
Your world must be a simple one; black/white - good/bad - things are not that simple. Insurance companies are not evil.
insurance companies are not evil, but their purpose is to generate profit.
this means that they
1. minimize expenses by denying coverage to policy holders in any possible way
2. maximize profit by accepting as many low-risk clients as possible while filtering out high-risk clients by either denying coverage or offering coverage only with exorbitant rates from which they may profit
for-profit insurance is basically a scam.
OK
Bull . Ethis means that they
1. minimize expenses by denying coverage to policy holders in any possible way
VERY insurance policy sold in this country is a contract that specifies what is, and what is not covered. For a premium, the insurance company MUST pay what it is contractually obligated to pay, and NOT pay what it is NOT contained within the parameters of that contract. Those plans are filed and approved by the departments of insurance of the various states BEFORE they are ever marketed and then sold to an individual or a group. There is no gray area, and when the insurance company gets it wrong, there is almost always a provider (hospital, doctor, etc) that that company get it RIGHT - not just the poor helpless patient; it's a big, powerful doctor or hospital that does battle, with there own battallion of attorneys. When there isn't a provider involved? THEN the person who feels they've been wronged simply files a complaint with the Dept. of Insurance - remember, they have THE plan on file, AND have the ability to fine, penalize, or kick the insurance company the out of the state!
Evil; dropped coverage! Bull , bull . Cite examples; with specifics, or don't bring those worn out cliches in her.
Again, bull .2. maximize profit by accepting as many low-risk clients as possible while filtering out high-risk clients by either denying coverage or offering coverage only with exorbitant rates from which they may profit
for-profit insurance is basically a scam.
Insurance company's make money by correctly assessing risk; and collecting the correct premium to return a profit from that risk. If they over estimate costs, they won't write the case; another, more aggressive company will scoop up that premium; and if they underestimate? They take a bath.
Get a clue, learn something.
what's funny is that ppl are afraid the govmt will take over but prefer these evil mother ing companies to keep the control. Free market what? only a handful of them control this "industry"
so you have more trust in a for profit corporation than your own goverment?
20% of americans cannot afford health insurance. yes, insurance companies are saints.
To be fair and succinct, insurance companies have nothing to do with the cost of ever-increasing cost of medical care in this country.
They have their share of blame in this debacle and most of it is self-interest related.
But that 20% of the American people are broke isnt their fault.
They should, in Minnesota they are and the state is known for top notch care.
so you think medical care cost is the only factor in calculating medical insurance cost???
oh life would be so easy if that were true
No, but it's responsible for the VAST majority of the inflation.so you think medical care cost is the only factor in calculating medical insurance cost???
oh life would be so easy if that were true
of course. But it's silly to think other factors are not a big factor. it's like saying food cost is the only driving force for prices in a restaurant.
What has the government EVER done to earn my undying trust?so you have more trust in a for profit corporation than your own goverment?
What can I do to hold my government responsible when it slights, or wrongs me?
What recourse would I have if the United States Government decided to not pay my claim, as opposed to a private insurance company?
I have absolutely NO faith in "my" government. I am more wary of their power than any other en y in the known universe. Because they have exponentially more control over my life than any other en y - up to, and including, the ability to legally end my life.
It's also silly to believe that those other costs are inordinately high; the cost to adjudicate a health insurance claim have dropped in real dollars in the past ten years.
they educate you and your children, police your home and protect your homeland. And so far have kept most of your rights for the last 100s years.
same thing you do when private company wrongs you.What can I do to hold my government responsible when it slights, or wrongs me?
same recourse you have if a private company does not decide to pay your claim.What recourse would I have if the United States Government decided to not pay my claim, as opposed to a private insurance company?
maybe moving somewhere else might help?I have absolutely NO faith in "my" government. I am more wary of their power than any other en y in the known universe. Because they have exponentially more control over my life than any other en y - up to, and including, the ability to legally end my life.
mmm, wonder how the insurance company execs make their billions then...
"Only a Handful" = there are dozens - as well as other compe ors; but yes, 5 are the very biggest.
How about the 5 biggest auto companies? They must "control" the industry. Maybe the government should start competing to keep them honest...
wait....
nevermind.
link.
C'mon. Where you getting your information? HealthCare execs != Wal Street bankers. Their CEO compensation is NOTHING like the investment banks; their profit margin, as an industry, is 83rd on the list. You are just a walking, talking cliche, aren't you?
good job at comparing having a car to having health insurance.
No. I send my kids to school where they waste 8 hours a day; learn practically nothing; in most cases my wife and I teach them at home what the system fails to accomplish during the. Besides; the Federal Govt. at this point has not a lot to do with that.
You're serious? Medicare doesn't answer to the Texas Department of Insurance, and I cannot sue them in State court (much easier to do) - nor do they EVER have to pay punitive damages for negligence or misdeeds; in fact, I don't know that it has ever been successfully sued. Federal Government en ies, for all intent and purpose, are above civil litigation.same thing you do when private company wrongs you. same recourse you have if a private company does not decide to pay your claim.
Love it or leave it? Really? How about I just do my damndest to make it better for me and my kids? How about I want them to have the same opportunities to succeed that I have had; without MORE onerous govt. programs and debts hanging over them? Like you said, I KNOW what an insurance company is trying to do; make a profit. They are not dishonest about that. WTF is the government trying to do from one moemnt to the next? Depends on whose in charge doesn't it? And even then, they won't tell you.maybe moving somewhere else might help?
good job at comparing having a car to having health insurance.
No problem. One builds cars, one assumes risk. They have more in common than you, apparently, think. In fact, GM is one of the biggest Health insurers in the country; fwiw.
You, obviously, get very emotionally invested in these things; and can't separate your feelings from rational discussion. You think because, OMG, people DIE from being sick; that somehow health insurance is on some pedestal.
What about Home Insurance, I mean, people can lose their whole house; their cats, dogs, pictures!!! THE HUMANITY!!!! Shouldn't the government just insure everyone's home? What about life insurance? I mean a guy could die, and if he didn't have life insurance, his family could lose their house, their cats, dogs -THE HUMANITY!!! The Government obviously ought to give everyone life insurance.
and the true colors show up
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