March for health care!

[Murlo26]

What has improved exactly?

Yes, premiums have always gone up, not arguing that, but not at this rate. And who complained they couldn't afford it? I am guessing people that were unemployed or had employers that didn't provide it.

I am giving you a real world example. My company pays our own health care costs, last year it was 3.2 million in cost for claims and administration costs.

For the last 50+ years they have always absorbed the increases because they were consistent and not absurd and they could plan for it. We had to switch our network to health partners two years ago as the increase was 50% to renew ours at our other network, 50%!!!

Our costs still went up but just not nearly as bad. But it was bad enough that now we the employees have to pay out of pocket for the business to survive.

So again, how is this plan better? Because now poor people/free loaders get insurance? Again, I am happy you don't have to pay out of pocket (directly) but you are the minority across American because guess what, companies/corporations don't want to eat this whole cost alone.

And seriously, people have free health care or subsidized health care now, so where do you think that money is coming from? it doesn't just materialize...well maybe through our "quantitative easing" (LAWL), but we are all paying for the people that now have health care who couldn't afford it before.

Again, this is just more redistribution of wealth and more policies that further destroy the middle class. Soon it will be just poor and rich and no middle class if it isn't that way already, hard not to be when 50% of the population doesn't do shit.

[tpunx99GSX]

Originally Posted by Goat Blower

There's nothing to improve. If you wanted to improve something, you'd do it to the old system. To completely dismantle that and replace it with something that costs more and provides less, is not an improvement. That's why you don't see Republicans jumping on the bandwagon for this. This is simply the same power grab the dems have been trying to do for decades, they finally succeeded and we're all left footing the bill, or I should say us middle class folks are footing the bill.

I'm glad your premiums haven't increased, you're truly a 1%'r now.

So theres nothing of any good with it eh?
- Patients Bill of Rights (protecting people from being dropped due to pre existing condition)
- Cost Free Preventative services
- No Lifetime dollar limits
- allowing kids to stay on their parents plans till 26
- the 85% rule of making insurance companies use at least 85% of premiums be spent on improving health care services and quality.
- Eliminating annual limits on coverage
and there is so much more that everyone agrees are good things. The problems are more in the process than the benefits. But this could be improved over time.
It was not a complete dismantle of the system. The old players are still there and got taken care of real good. A better system would have been going to single payer, which a lot of us wanted. Take the rate hike on taxes (you probably would have saved money anyways) and give everyone the same insurance.

[tpunx99GSX]

Originally Posted by Murlo26

What has improved exactly?

Yes, premiums have always gone up, not arguing that, but not at this rate. And who complained they couldn't afford it? I am guessing people that were unemployed or had employers that didn't provide it.

I am giving you a real world example. My company pays our own health care costs, last year it was 3.2 million in cost for claims and administration costs.

For the last 50+ years they have always absorbed the increases because they were consistent and not absurd and they could plan for it. We had to switch our network to health partners two years ago as the increase was 50% to renew ours at our other network, 50%!!!

Our costs still went up but just not nearly as bad. But it was bad enough that now we the employees have to pay out of pocket for the business to survive.

So again, how is this plan better? Because now poor people/free loaders get insurance? Again, I am happy you don't have to pay out of pocket (directly) but you are the minority across American because guess what, companies/corporations don't want to eat this whole cost alone.

And seriously, people have free health care or subsidized health care now, so where do you think that money is coming from? it doesn't just materialize...well maybe through our "quantitative easing" (LAWL), but we are all paying for the people that now have health care who couldn't afford it before.

Again, this is just more redistribution of wealth and more policies that further destroy the middle class. Soon it will be just poor and rich and no middle class if it isn't that way already, hard not to be when 50% of the population doesn't do shit.

Do you even know how rates are created? They are created by the insurance companies in a rate model that is directly attributed to the health of your companies workforce. (I worked at an insurance company and know exactly how this is calculated). If you have a startup that has 20 employees that sit in cubes and are all within the ages of 24-32, that rarely go to the doctor and are healthy individuals. you will get a MUCH lower rate than the same company with 20 employees that are in their 40s to 50s, have health issues etc. All of this is taken into account when the group rate is calculated, which is why rates are not calculated on a case by case basis, but on an averaged group basis, so that a 25 year old will have the same rate as a 60 year old at the same company.

[tpunx99GSX]

http://money.cnn.com/2009/10/26/pf/g...ance_top_tips/
Heres everything i just said, same holds true today as it did back in 2009.

[polishmafia]

Originally Posted by tpunx99GSX

(I worked at an insurance company and know exactly how this is calculated)

"exactly"

Yup.

You worked for a healthcare company for ONE FULL DAY and then quit.

[Kracka]

Originally Posted by polishmafia

"exactly"

Yup.

You worked for a healthcare company for ONE FULL DAY and then quit.

I worked there for 13 months...I guess that makes me expert level?

[JET]

Originally Posted by tpunx99GSX

- Cost Free Preventative services

There is liberal BS if I have ever heard it. No price yes, no cost - no freaking way.

Damn Pete, stuck him in a SMALL box!

[Goat Blower]

Originally Posted by Kracka

I worked there for 13 months...I guess that makes me expert level?

Or about 259 days more than Tom the expert.

[Kracka]

LOL @ cost-free. Just because insurance doesn't charge you a deductible doesn't mean there isn't a cost associated with it.

Not to mention, that is incorrect. I had two plans available this year during open enrollment, one with $0 deductible (in-network) preventative care, and the other with $35 deductible (in-network) preventative care.

[tpunx99GSX]

Originally Posted by polishmafia

"exactly"

Yup.

You worked for a healthcare company for ONE FULL DAY and then quit.

Two years with SeeChange Health, Working with the software used to calculate the rates, as well has all of the websites, backend databases and server infrastructure.

[Murlo26]

Originally Posted by tpunx99GSX

Do you even know how rates are created? They are created by the insurance companies in a rate model that is directly attributed to the health of your companies workforce. (I worked at an insurance company and know exactly how this is calculated). If you have a startup that has 20 employees that sit in cubes and are all within the ages of 24-32, that rarely go to the doctor and are healthy individuals. you will get a MUCH lower rate than the same company with 20 employees that are in their 40s to 50s, have health issues etc. All of this is taken into account when the group rate is calculated, which is why rates are not calculated on a case by case basis, but on an averaged group basis, so that a 25 year old will have the same rate as a 60 year old at the same company.

Yes I understand this.

Are you not listening to this though, my company which is 300 people or so I think, said flat out because of the ACA we were forced to switch providers due to the providers increasing rates so much.

I guess I don't see how that isn't completely black/white.

Our rates jumped 50% in one year because of the ACA. I understand rates always go up and again, my company for 50+ years covered those increases but it was so much recently due to the ACA that they chose to pass on some of that burden to us instead of reducing our coverage so we can get the same awesome health care as keeping your employees healthy is worth it.

[Kracka]

Talk to any health insurance broker and they'll tell you the earfuls they're getting from their clients on these extreme increases.

[Murlo26]

Originally Posted by Kracka

Talk to any health insurance broker and they'll tell you the earfuls they're getting from their clients on these extreme increases.

Correct. Because people are getting free/subsidized healthcare, someone has to pay for it, its not "free", so we all pay for it.

I am not sure where the confusion is on this.

[Halon]

I hope all you guys are taking full advantage and getting your papsmears and pregnancy checks done that you are forced to pay for with your coverage now.

[Goat Blower]

I've had three abortions this week! It's free!

[asshanson]

Does that fall under preventative care?

[Murlo26]

Originally Posted by asshanson

Does that fall under preventative care?

I'd say yes.

[1ViciousGSX]

Originally Posted by Goat Blower

There's nothing to improve. If you wanted to improve something, you'd do it to the old system. To completely dismantle that and replace it with something that costs more and provides less, is not an improvement. That's why you don't see Republicans jumping on the bandwagon for this. This is simply the same power grab the dems have been trying to do for decades, they finally succeeded and we're all left footing the bill, or I should say us middle class folks are footing the bill.

I'm glad your premiums haven't increased, you're truly a 1%'r now.

Agreed

[mdost03]

Originally Posted by Goat Blower

I've had three abortions this week! It's free!

Laughed hard when I read this, lol.

[AwdGSX13]

My healthcare costs have gone up 20% a week and my deductible doubled. It was nice that i had saved my original deductible via my HSA, but now i have to save more. The system that was in place originally worked just fine.

I have a hard time understanding why people defend this guys actions. Especially now that he has been in office for as long as he has.

The next great topic will be his immigration bill.