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Old 07-11-2013, 09:42 AM   #171
BucEyedPea BucEyedPea is offline
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Quote:
Originally Posted by Velvet_Jones View Post
What about the exchanges? Have you never heard of an independent insurance agent? Insurance exchanges are nothing but a government ran insurance agency. It’s a marketing tool. Except you get a government “agent” (read website) instead of an insurance professional. Would you rather have an insurance professional whose business is built on good service and good advice and who has established relationships (and power) with many insurance companies or would you rather a website, or even worse, a government agent?

Exchanges are a drummed up solution to a non existent problem.

Except for the people whom are under age 27 and can get insurance through a parent or guardian. Except for the people who will not pay the premiums. Except for the people who will not file a tax return to avoid the penalty “tax”. Except for the young people who cannot get insurance through their parents and don’t have 9k lying around to pay the yearly premiums. Are these the people you are talking about?

By the way, these are the same people that the ACA was supposed to help.

And on another note. Non-disabled non-student dependents under the age of 27 cannot be claimed as a dependent in any other government programs. The parent cannot claim them on there taxes or other legal documents. All the parents get to do is pay the extra premiums, which are currently nominal and have little effect on the pool of funds. Get ready for dependent premiums to increase.


This is another drummed up problem that was already solved. You do realize that all states require the insurance company to submit a master policy which includes the language that the state requires the insurance company to use in its plan documents? You do realize that each state requires that specific and consistent language be used between different insurance companies so there is no ambiguity between plans? You do realize that carriers routinely have to adjust plan documents to comply with changing laws and regulations as mandated by the state? You do realize that almost all insurance companies documents are exactly the same within a state and what changes is the richness or combination of benefit that differentiate the carriers based on their target market. Of course you realize that.

And on the “switching insurance” issue. There is nothing keeping anyone in any plan. Insureds and groups can switch from plan to plan within an insurance carrier or to a different carrier. The reason why individuals don’t switch is because they have to satisfy new deductibles and out of pocket expenses. The reason groups don’t switch is the same as individuals except they are also try to keep their expenses static. It’s also expensive to switch. Most group plans allow what’s called “Takeover Credit” which will credit the insureds for meeting their deductible/OOP in there previous plan.

What part of ACA did anything to help this? If you don’t want to research this I will give you the answer. It doesn’t


Another solved issue that apparently needed re-solved. Have you ever heard of METs– Multiple Employer’s Trusts? The term MET is kind of a misnomer because it can be any type group, not specifically a group of employers. It can be a professional group, a religious group, ancestral group. Any type of group. The reason I reference MET is because these are the rules that the group must play by.

The METs that my company has set up charge $1.00 per year to be a member. That is because the law requires some type of membership fee in the states that we have METs. These METs are used to lower premium expenses for a pre-determined set of benefits. They work fabulously for both the insured and the carrier.

Yet another issue the ACA refixes.


I was responding to the issues listed by the poll, not the issues not listed in the poll. Additionally, I specifically addressed the issues that the ACA screws up, not the re-fixes and non-issues that were wrapped up in the marketing campaign that brought us the ACA.

But that’s OK, at least the leftist got their way and got government controlled healthcare. Get ready for the butt hurt when this thing is fully implementing.
What ALWAYS happens with government solutions to private issues, especially fascist/socialist solutions.

Last edited by BucEyedPea; 07-11-2013 at 09:49 AM..
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