Paul Anderson
New Member
TXINSURANCE commented that a lot of money is being spent on new plan designs and infrastructuire by the companies.
Actually this scares me a little. When Hillary was promoting her Univeral Health Plan in the 80's, her idea was to put each of us in a plan, according to regions, which would be administered by one of the five carriers who would be allowed to continue to exist. At that time many of the large carriers were scrambling to put themselves in position to qualify (also backing the Clintons so they would be chosen).
Not to long ago I was at an Assurant Health seminar and they told us they were cutting rates in Michigan as part of a project to bring more uninsured in to their book to help spread the risk. That could work but I couldn't help think that they were also trying to position themselves as one of the large players so when Univeral Health takes hold they would be in a position to be one of the few carriers administering the plan and getting Billions from the government. Currently I don't hear the carriers speaking up enough, nor do I hear them educating the public about the downsides of Universal Health Care, the fact that it hasn't worked in the European Countries or even in the few states that have tried it.
I am generally not negative by nature but I am worried. If this adminstration manages to put some type of Universal Health Care in place we may never be able to dismantle it.
Social Security was the right thing to do but the way it was created is fundementally wrong. Still we can't seem to stop it or change it. SCHIP was a good intention but implemented wrong, now it is insuring more chidren that had insurance than children who didn't and it's purpose was to cover the uninsured. The same goes with all our government entitlement programs, once instituted there doesn't seem to be any way to go back. I doesn't matter that Universal Health Care could not be done as efficeintly, that the country can't afford to do it or that the end result may be worse that what we have, I'm afraid good people with good intentions are about to put in a bad plan we will get stuck with. This will be done without the help of agents.
I'm not suggesting we roll over and play dead, we need to start educating our clients now.
Actually this scares me a little. When Hillary was promoting her Univeral Health Plan in the 80's, her idea was to put each of us in a plan, according to regions, which would be administered by one of the five carriers who would be allowed to continue to exist. At that time many of the large carriers were scrambling to put themselves in position to qualify (also backing the Clintons so they would be chosen).
Not to long ago I was at an Assurant Health seminar and they told us they were cutting rates in Michigan as part of a project to bring more uninsured in to their book to help spread the risk. That could work but I couldn't help think that they were also trying to position themselves as one of the large players so when Univeral Health takes hold they would be in a position to be one of the few carriers administering the plan and getting Billions from the government. Currently I don't hear the carriers speaking up enough, nor do I hear them educating the public about the downsides of Universal Health Care, the fact that it hasn't worked in the European Countries or even in the few states that have tried it.
I am generally not negative by nature but I am worried. If this adminstration manages to put some type of Universal Health Care in place we may never be able to dismantle it.
Social Security was the right thing to do but the way it was created is fundementally wrong. Still we can't seem to stop it or change it. SCHIP was a good intention but implemented wrong, now it is insuring more chidren that had insurance than children who didn't and it's purpose was to cover the uninsured. The same goes with all our government entitlement programs, once instituted there doesn't seem to be any way to go back. I doesn't matter that Universal Health Care could not be done as efficeintly, that the country can't afford to do it or that the end result may be worse that what we have, I'm afraid good people with good intentions are about to put in a bad plan we will get stuck with. This will be done without the help of agents.
I'm not suggesting we roll over and play dead, we need to start educating our clients now.