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  #16  
Old 02-10-2009, 05:54 PM
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Originally Posted by DieselAddict View Post
I still see nothing bad or new for that matter. Currently the insurance industry is already guiding doctors' decisions.

Sometimes an insurance company will deny a claim outright even if it's medically necessary.

And insurance companies also deny people with previous conditions, which is something the govt mandate aims to stop.
Except for the fact that I can change insurance companies and drop them at my peril a lot easier than I can change govt.

Are those done that often? Thought that was only on procedures deemed experimental or words to that effect?

That is a pre-existing condition thing, isn't it? If I bought a new car and wanted insurance, no problem. OTOH, if I bought a used car, they would want to make sure that there were no issues with the car like say maybe the windshield is cracked or the driver's door is missing, etc, etc.

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  #17  
Old 02-10-2009, 07:25 PM
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More. This is the one I was looking for, but could not find yesterday.


Ruin Your Health With the Obama Stimulus Plan: Betsy McCaughey
Email | Print | A A A

Commentary by Betsy McCaughey...
That article raises some disturbing issues, but her article describes things that I can't find in the bill. For example, she talks about a "meaningful user" of the information technology created under the bill. My computer doesn't find that phrase anywhere in the bill. I am not saying it's not there, the bill is hundreds of pages long, but I don't know what to make of her article when I can't find the provisions she finds so troublesome.
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  #18  
Old 02-10-2009, 08:20 PM
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There is a difference between a private insurance company denying benefits, and the government. When the gov. denies your claim there is no recourse; mo other company that you can try.
Not true. People in countries with govt health plans have successfully challenged the govt. Or you can always opt out and go with a private plan.

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It makes sense until you reach that age where some low-level government employee decides you will just die.
Do you really want the government making life and death decisions for you?
Doesn't matter to me if it's the govt or some private insurance company bureaucrat making those decisions for me. In fact I think I prefer the govt since they're less hell-bent on eliminating every buck out of patient's care.
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  #19  
Old 02-10-2009, 08:50 PM
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Originally Posted by DieselAddict View Post
Not true. People in countries with govt health plans have successfully challenged the govt. Or you can always opt out and go with a private plan.


Doesn't matter to me if it's the govt or some private insurance company bureaucrat making those decisions for me. In fact I think I prefer the govt since they're less hell-bent on eliminating every buck out of patient's care.
You can opt-out of private insurance from one company and go with another. Or several.

With the government, you have like, one government to choose from, which kind of limits the potential for competition.
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  #20  
Old 02-10-2009, 09:02 PM
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You can opt-out of private insurance from one company and go with another. Or several.

With the government, you have like, one government to choose from, which kind of limits the potential for competition.
Not really. I explained this in one of the other threads.

No, unless private insurance companies are banned (which I don't think will happen) govt just adds to the competition. It doesn't replace it.
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  #21  
Old 02-10-2009, 09:03 PM
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Not really. I explained this in one of the other threads.

No, unless private insurance companies are banned (which I don't think will happen) govt just adds to the competition. It doesn't replace it.
Yes really, I explained it above.

No, the government does not add to competition when it actively engages in business. It is the antithesis of competition because it both regulates and directs.

That's what we call a stacked deck.
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  #22  
Old 02-10-2009, 09:16 PM
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Yes really, I explained it above.

No, the government does not add to competition when it actively engages in business. It is the antithesis of competition because it both regulates and directs.

That's what we call a stacked deck.
No you didn't explain it. I did. I can opt out of my employer's group plan and the only thing I will gain from that is having fewer benefits and much higher premiums. If there's a govt plan at least that could be an affordable and attractive alternative. But currently there's none. The whole insurance industry is dominated by just a few players that enslave most people to their employer's group plan. There's very little competition.
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  #23  
Old 02-10-2009, 09:17 PM
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No you didn't explain it. I did. I can opt out of my employer's group plan and the only thing I will gain from that is having fewer benefits and much higher premiums. If there's a govt plan at least that could be an affordable and attractive alternative. But currently there's none. The whole insurance industry is dominated by just a few players that enslave most people to their employer's group plan. There's very little competition.
Yes I did explain you big meanie, so there!

There is a lot of competition, shop for it.
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  #24  
Old 02-10-2009, 09:55 PM
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Originally Posted by DieselAddict View Post
In fact I think I prefer the govt since they're less hell-bent on eliminating every buck out of patient's care.
Why am I not surprised. I'd rather private enterprise because I can find another entity easier than I can find another govt. Also, they have proven to be more efficient than govt. Somehow, a restaurant seems to have better food than a mess hall. Yes, I know it doesn't have to be that way but it almost always is.
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  #25  
Old 02-10-2009, 09:59 PM
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govt just adds to the competition. It doesn't replace it.
You mean like it adds to my retirement plan "options"? With that Ponzi scheme that nobody else can legally run? The one that I "opted in" to? Yep. Sure gives the competition a run for their money. That is probably why they say "Don't steal. The govt hates competition."
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  #26  
Old 02-10-2009, 10:41 PM
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You mean like it adds to my retirement plan "options"? With that Ponzi scheme that nobody else can legally run? The one that I "opted in" to? Yep. Sure gives the competition a run for their money. That is probably why they say "Don't steal. The govt hates competition."
Bad example. You can't compete with Social Security because Social Security requires people to pay in with no assurance that they will ever see a dime. The contributions from those who die young help fund payments to those who live longer. It is a fantastic system. One of the greatest ever devised. I doubt that any other single system has prevented more poverty than has Social Security.
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  #27  
Old 02-10-2009, 10:51 PM
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Bad example. You can't compete with Social Security because Social Security requires people to pay in with no assurance that they will ever see a dime. The contributions from those who die young help fund payments to those who live longer.

It is a fantastic system. One of the greatest ever devised. I doubt that any other single system has prevented more poverty than has Social Security.
The govt assured me that we will see money when I retire.

At the time of conception, maybe, They had 20+ workers to 1 retiree. Today, nowheres close. IIRC, it was like 5 to 1. If we ran such a scheme, what do you think will happen to us from a legal perspective? I also see it as another slush fund for politicians. Also, it is something we are going to have to bail out. There are already rumblings of insolvency.
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  #28  
Old 02-10-2009, 10:59 PM
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The govt assured me that we will see money when I retire...
Only if you survive, which I'm sure you will.
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...There are already rumblings of insolvency.
I believe that it is on its way to insolvency and will require adjustments. It is such a popular and successful system, I predict that the necessary changes will be made.
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  #29  
Old 02-10-2009, 11:05 PM
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Only if you survive, which I'm sure you will.

I believe that it is on its way to insolvency and will require adjustments. It is such a popular and successful system, I predict that the necessary changes will be made.
I intend to but I don't think I will depend on it. In fact, my plans discount it. If it is still solvent, I win. If not, I didn't lean on it.

You think the ratio of workers changing from 22:1 down to 5:1 is going to need adjustment? I think that word is an understatement of huge magnitude.

OF course they will fix it. It only takes money. Besides, do you think that govt will allow such a huge slush fund to go down? Where do you think they can get such a popular slush fund?
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  #30  
Old 02-11-2009, 12:05 AM
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Yes I did explain you big meanie, so there!

There is a lot of competition, shop for it.
No there isn't. Even McCain acknowledged that. That's why he wanted do away with employer-funded health insurance and give people tax credits to get their own including from out of state which is supposedly not possible today. Though far from my favorite, I think even his proposal was better than what we have today. Ideally I'd like to do away with the insurance industry completely and just expand Medicare for everyone. Publicly funded, but privately administered, similar to what they have in Japan.

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