We have GI without a mandate - check out the 6 GI states and find out how it's going with them. Price up a plan in NY.
If Obama wants to research GI without a mandate just have him call the WA governor or insurance commissioner.
Indeed. Actually a state like Maine might serve as better bad example than Washington State.
My understanding is that Washington is guaranteed issue in the sense that if they do not qualify for a plan from a regular free market carrier that they are at least guaranteed to get a plan (if you can afford it) from a public option risk pool (LGilmore would know more on this).
That is vastly better than in my state because at least the very sick in Washington are out of the pool for the regular folk and a healthy person has a chance to get a better rate (what a concept!). In Maine, there is no risk pool. If you are a carrier then you must take everyone-period, although a six month pre-x can apply. So you cannot buy a plan without bearing part of the cost of the otherwise uninsurable people AND WHAT A COST IT IS.
As an important side point, it is important to note that in states such as Maine, the state government broke the free market system though interference and drove all the competition out of the state. Now, the same folks are crying for a public option because there is no competition. Oy!
------------------------------------ Spending Our Way to Prosperity
They won't sign up for free either - just ask Mass. I can't tell you how many clients I've referred to MCHIP for their kids after I found out their kids qualify for 100% free health care. Of course, they're just heading out the door so call back later.
Those who go to the site with me are thrilled "WOW....so my daughter can get a free plan!" The excitement goes away when the mom realizes she has to fill out the app, comply with some basic verification and mail it in.
So, what Americans really want is FREE health care but also, they don't want to have to like, fill out anything. Just send them a card in the mail.
They won't sign up for free either - just ask Mass. I can't tell you how many clients I've referred to MCHIP for their kids after I found out their kids qualify for 100% free health care. Of course, they're just heading out the door so call back later.
Those who go to the site with me are thrilled "WOW....so my daughter can get a free plan!" The excitement goes away when the mom realizes she has to fill out the app, comply with some basic verification and mail it in.
So, what Americans really want is FREE health care but also, they don't want to have to like, fill out anything. Just send them a card in the mail.
That was too funny!
I think Jesus said it best,"the poor will always be among you."
D.
------------------------------------ Far better it is to dare mighty things, to win glorious triumphs, even though checkered by failure, than to take rank with those poor spirits who neither enjoy much nor suffer much, because they live in the gray twilight that knows not victory nor defeat.
Lol - public health care option as any kind of solution?
FACT: If it costs a dime we have what...45 million uninsured? Likely if this passes it'll be GI and unless you're "poor" you'll be paying at least a portion of the premium.
So out of these 45 million uninsured how many would pay ANYTHING for health insurance? about 2 million. Bet me.
This is just neo-con propaganda. Just like all of the un-insureds "Are all too fat, they all smoke, and they all drink too much, they are all on drugs, and they are all immigrants."
It's funny how the vast majority of "these people" fill out their tax forms each year. The vast majority go and get driver licenses. They fill out forms to rent homes and apartments. Most of them probably have auto insurance on their car... and they fill out the form each year to renew their state registration. Most have jobs where they have to fill out an application and or a time card.
Are there a certain number of people who won't get free or low-cost insurance. Of course. Are there insurance agents who won't get life or LTC or DI insurance? You bet.
I have yet to understand how so many of you neo-con agents make a living... because you have such a low opinion of a huge number of the American public... and because while most of you mouth the words that "I do this to help people" the truth of the matter is that it's all about the money for most of you on this venue... and if I can see through this by just reading your postings from behind a cloak, I can only imagine your clients "get it" when then talk with you or meet you face to face.
The ONLY way John and the rest of you will support health reform is if YOU get a piece of the action. It's not about state's rights, or higher taxes, or budget deficits that all you neo-cons rant and rave about... it is the fear of your own loss of income.
You and NAHU and AHIP are today what the AMA was back when Medicare was being debated (I was in high school... and remember it well.) Yet the irony was that Mediare became a cash-cow to doctors and hospitals for.
How come you greed-mongers are not advocating the abolition on Medicare? I don't see any of you posting here that we should dump Medicare. And how many of you have met people who refused or "forgot" or just didn't want to do the paperwork for social security and Medicare? Any of you?
Sorry guys. John's post is just another expression of the widely held neo-con xenophobia, homophobia, coupled with greed and avarice. It's what neo-cons do best. FUD: fear, uncertainty, doubt. Nothing new here.
This is just neo-con propaganda. Just like all of the un-insureds "Are all too fat, they all smoke, and they all drink too much, they are all on drugs, and they are all immigrants."
It's funny how the vast majority of "these people" fill out their tax forms each year. The vast majority go and get driver licenses. They fill out forms to rent homes and apartments. Most of them probably have auto insurance on their car... and they fill out the form each year to renew their state registration. Most have jobs where they have to fill out an application and or a time card.
Are there are certain number of people who won't get free or low-cost insurance. Of course. Are there insurance agents who won't get life or LTC or DI insurance? You bet.
I have yet to understand how so many of you neo-con agents make a living... because you have such a low opinion of a huge number of the American public... and because while all you mouth the words that "I do this to help people" the truth of the matter is that it's all about the money for most of you on this venue... and if I can see through this by just reading your postings from behind a cloak, I can only imagine your clients "get it" when then talk with you or meet you face to face.
The ONLY way John and the rest of you will support health reform is if YOU get a piece of the action. It's not about state's rights, or higher taxes, or budget deficits that all you neo-cons rant and rave about... it is the fear of your own loss of income.
You and NAHU and AHIP are today what the AMA was back when Medicare was being debated (I was in high school... and remember it well.) Yet the irony was that Mediare became a cash-cow to doctors and hospitals for.
How come you greed-mongers are not advocating the abolition on Medicare? I don't seen any of you posting here that we should dump Medicare. And how many of you have met people who refused or "forgot" or just didn't want to do the paperwork for social security and Medicare? Any of you?
Sorry guys. John's post is just another expression of the widely held neo-con xenophobia, homophobia, coupled with greed and avarice. It's what neo-cons do best. FUD: fear, uncertainty, doubt. Nothing new here.
Al, please read the FACTS about how Mass. had to literally CHASE DOWN the people in their state who qualified for free health care but didn't sign up. Not the blogs or articles but right or left slanted reports, but the raw stats.
Give me some credit - since 2003 have been showing clients who qualify the FREE MCHIP plans for their kids with LITTLE interest.
Obama will work his ass to the bone to finally put together a solid health care option. Then he'll have a meeting a few months later going "WTF??? Why aren't people signing up for it!"
Because THE TRUTH Al is MOST people without health care don't believe in it. It is only the FEW who are very sick who whine about it and will sign up for a plan.
If you really think people without coverage want coverage, even if it's GI and affordable fly on down here and let's do some BtoB for a day as I tell people about MHIP. Then you can watch the blank stare on their face as they proceed to not give a flying ****.
And who am I talking to anyway? Al, you're an insurance agent. So tell me, how's it generally work out for you when you can:
A: Save people a fair amount of money
B: Offer people an affordable plan who don't have coverage
Let me tell you how it goes: 98% total and utter disinterest.
Last edited by healthagent : 07-12-2009 at 11:08 AM.
Al, please read the FACTS about how Mass. had to literally CHASE DOWN the people in their state who qualified for free health care but didn't sign up. Not the blogs or articles but right or left slanted reports, but the raw stats.
Where are these facts? What percent of the state had to be "chased down?" How was this study conducted? Who funded it? Come on, John you are too smart to rely on raw stats.
Give me some credit - since 2003 have been showing clients who qualify the FREE MCHIP plans for their kids with LITTLE interest.
You are one agent... and there are a zillion variables here... on why people in MD are hesitant to take MCHIP. And what percent of the MD population are eligible and what percent don't have it... and are the numbers accurate?
Obama will work his ass to the bone to finally put together a solid health care option. Then he'll have a meeting a few months later going "WTF??? Why aren't people signing up for it!"
Gee, John everyone and their dog signed up for the do-not-call list. Everyone signed up for the dicount coupons for TV converter boxes. Everyone seems to "vote" in American Idol. Everyone signs up for Mediare. You really believe that with massive publicity (like we saw with the converter boxes) that over half of the US won't be interested?
Because THE TRUTH Al is MOST people without health care don't believe in it. It is only the FEW who are very sick who whine about it and will sign up for a plan.
That's not a fact... that's your biased, neo-con opinion. When you go out to the park and you see almost everyone there that day has a Golden Retriever, it is easy to assume that almost everyone in the country has a Golden.
If you really think people without coverage want coverage, even if it's GI and affordable fly on down here and let's do some BtoB for a day as I tell people about MHIP. Then you can watch the blank stare on their face as they proceed to not give a flying ****.
Well, I don't know how you are presenting it, but I believe that when people see TV ad after TV ad saying "Don't forget to sign up for national health care" (or whatever it will be called) that just like the converter boxes, everyone will. The government will contract with celebrities and cartoon characters to get the message across. (Let me ask this. Do young people still sign up for the draft? Would they get caught if they didn't? Do you have to show a draft card to get a job as it was back in my day? What if you couldn't get a job without showing a health card... which would be able to be verified by the HR gal via a simple web search?)
And who am I talking to anyway? Al, you're an insurance agent. So tell me, how's it generally work out for you when you can:
A: Save people a fair amount of money
B: Offer people an affordable plan who don't have coverage
Out here the issue is AFFORDABLE. With 11% official and my guess 15% de facto unemployment there is no money in the budget for it. This much I do know, at least HALF those whom I contact with who can afford the new Blue Shield $5200 deductible HSA plan... can't pass UW.
Let me tell you how it goes: 98% total and utter disinterest.
Yes there is some disinterest, but in my experience not near 98%. Maybe 15% if I had to guess.
John, et.al., you can rationalize it all you want and trot out b.s. stats until you wear off the numbers on your keypad, but the current system is broken on SO MANY levels, it is not sustainable, and from what I read here the only reason the vast majority of you are against any reform is that you might be out of a "job" or might lose a large part of your income.
Do we need an IHIAA... to sell GI supplements for/or GI "Medicare-For-All"? Will we need a NAHU? Will we need carriers?
If HHS contracted with you to sell or sign up people for GI plans at a 5% commission, would you do it? There seems to be no shortage of those willing to "sell" zero-prem MA.
The world is changing guys. As I've said a million times, stop moaning about it and start preparing for it. Most of you should learn how to sell to baby boomers like me. (Most of us are better educated than you are... so maybe you might want to finish your college degree!) and perhaps John should incorporate life and LTC into his service organization.
But it won't happen. You guys will be led by Winter and Moonlight, you will huddle together in this venue and take comfort that "Nah, it won't happen" and will wake up the same way a lot of agents woke up the day after ERISA and TEFRA were passed.
Your old road is
Rapidly agin'.
Please get out of the new one
If you can't lend your hand
For the times they are a-changin'
My philosophy is that all criticism is fair - as long as it's accurate. Accuracy doesn't seem too important to you though.
You are right in that you probably have not used those exact words, but correct me if I'm wrong in my assessment that you adamantly oppose any kind of public insurance program with or without private carrier participation.
You guys are great at saying what you are against, but to my knowledge only Winter has stepped up and said what he is for (but I forget what it was )
You can hide in the dark or put your head in the sand, but sooner or later you are going to have to face the fact that things are going to change, and probably NOT the way YOU want them to.
You folks would be much better advised to find a plan that you support... and support it. Then again, perhaps the collective voice here of "Let's keep things the way the are because I'm makin' good money at it" IS a plan and platform. I guess doing nothing is doing something. I doubt it will fly when the voting starts next fall, but I've been wrong before... unlike most of you here.
Al
Al
- - - - - - - - - - - - - - - - - -
Originally Posted by healthagent
Al only has to read the news every day to see the result of out of control irresponsible spending
Correct me if I'm wrong but to all you neo-cons all spending is "irresponsible"... unless it is for war, the military, agricultural subsidies, college loans for your kids (even though you can afford the tuition) and perhaps for pubic golf courses... oh and to bail out big businesses that support your sainted Rep. party.)
I know there is no way I could ever convince all you ex-military yahoos that by ending both wars, cutting the defense budget by 50% and dumping agricultural subsidies, getting rid of NASA, would provide us with plenty of money for affordable health coverage, school vouchers, and maybe even LTC.
The money is there. You guys would rather buy tanks and rockets with it. I'd rather see it go to people. Of course you guys don't TRUST the people... I mean they're all fat, they all smoke, they all drink too much... and they're all illegal. Yeah, bailing out AIG is a much better use of the money. Keeping your Wall Street patrons happy is a better use of the money. And we all know that the private health insurance sector is doing such a good job such that it has so much public support, that we darn well better keep that as well.
Alabama, 1958. That's the change YOU GUYS believe in!
Al
Last edited by al3 : 07-12-2009 at 12:48 PM.
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