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Kraichgauer
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27 Nov 2013, 1:47 pm

ruveyn wrote:
zer0netgain wrote:
ruveyn wrote:
It is a well established principle in insurance that the higher the risk the higher the premium. It is actuarially sound. Averaging the risk to determine a premium discriminates against low risk purchasers of the insurance.

ruveyn


I've heard reasoning along this line and find it very naive. ALL INSURANCE works by the many carrying the weight of the few.

Risk categories were a way to save money for people by allocating people into appropriate groups, but it only magnified the problem. You got cheap rates as long as you never got sick/hurt. Once you became a "risk," you were moved into higher categories with less-affordable rates until the chronically sick were unable to afford or obtain coverage at all.

This benefited ONLY the insurance carriers who sought out HEALTHY people to insure and avoided insuring sick people.

The best "fix" to provide predictable insurance rates is to eliminate the practice of "risk groups" altogether. Yes, the healthy will pay more, but every person has NO ASSURANCE that they won't become ill in the future and need the benefit of the mass carrying their weight. More so, the FIRST TIME you have a major medical event (e.g., heart attack) you can have your hospital bill EXCEED a lifetime of health insurance premiums.

Most people don't sit down and look at the whole issue to see how this works better for everyone in the long run.


One of the bad side effects of your policy is to give a free ride to smokers, boozers and overweight people. I think there should be some risk grouping. People who smoke, drink or are overweight should pay more. It is only fair.

If the system enables bad habits then sooner or later there will be more demand for medical services than can be supplied and then we will have Rationing. Just like under NHS.

ruveyn


But that gives cause for insurance companies to penalize with higher rates people with health problems that result from no fault of their own.


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ArrantPariah
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27 Nov 2013, 3:42 pm

sonofghandi wrote:
Kraichgauer wrote:
ArrantPariah wrote:
The Working Poor in the Repug states have it the worst:

http://finance.yahoo.com/news/working-p ... 00781.html

The Repugs won't let them sign up for Medicaid. Meanwhile, the law was originally written with the assumption that such people would be permitted Medicaid.


If they have any sense, they'll remember this when the next election rolls around.


Unfortunately, the Republican spin machine is already in high gear. Everything bad that happens to the poor is being presented as the fault of the ACA's existence. There are already legions of people who won't get covered under the expansion that believe the Democrats are to blame, especially in Texas and Florida (the two states that would have benefitted the most).


Moreover, the Repugs are doing their best to stop this demographic from voting at all.



Kraichgauer
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27 Nov 2013, 3:50 pm

ArrantPariah wrote:
sonofghandi wrote:
Kraichgauer wrote:
ArrantPariah wrote:
The Working Poor in the Repug states have it the worst:

http://finance.yahoo.com/news/working-p ... 00781.html

The Repugs won't let them sign up for Medicaid. Meanwhile, the law was originally written with the assumption that such people would be permitted Medicaid.


If they have any sense, they'll remember this when the next election rolls around.


Unfortunately, the Republican spin machine is already in high gear. Everything bad that happens to the poor is being presented as the fault of the ACA's existence. There are already legions of people who won't get covered under the expansion that believe the Democrats are to blame, especially in Texas and Florida (the two states that would have benefitted the most).


Moreover, the Repugs are doing their best to stop this demographic from voting at all.


That, and the Republicans are diverting this demographics' attention from their economic and medical interests with idiotic "family values" issues concerning gay marriage, abortion, fear of the ethnic or religious "other," etc.


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ArrantPariah
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27 Nov 2013, 9:57 pm

I don't know why they fall for it, but they do, every time.



zer0netgain
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01 Dec 2013, 2:25 pm

ruveyn wrote:
One of the bad side effects of your policy is to give a free ride to smokers, boozers and overweight people.


Not so. First, if you make an exception to the practice, it's only a question of when it becomes a point of abuse again. The whole "pre-existing" issue was a legitimate right of the insurance carrier. Why should anyone find out they have a health problem and run out to buy insurance to pay for treatment AFTER they know they will need it? However, it didn't take long to go from a "good faith" protection for the insurance carrier to an overtly abused legal clause to deny people who had any tangential medical issue in their past to a current need.

Second, there are many ways to curb risky behaviors such as smoking, drinking, drug use and obesity. It's like saying imprisonment is more effective for curbing drug use and abuse than legalizing it and regulating it...we know that's not so, and the nations with better results in dealing with drug use have done just that...legalized it and regulated it.



Kraichgauer
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01 Dec 2013, 5:34 pm

zer0netgain wrote:
ruveyn wrote:
One of the bad side effects of your policy is to give a free ride to smokers, boozers and overweight people.


Not so. First, if you make an exception to the practice, it's only a question of when it becomes a point of abuse again. The whole "pre-existing" issue was a legitimate right of the insurance carrier. Why should anyone find out they have a health problem and run out to buy insurance to pay for treatment AFTER they know they will need it? However, it didn't take long to go from a "good faith" protection for the insurance carrier to an overtly abused legal clause to deny people who had any tangential medical issue in their past to a current need.

Second, there are many ways to curb risky behaviors such as smoking, drinking, drug use and obesity. It's like saying imprisonment is more effective for curbing drug use and abuse than legalizing it and regulating it...we know that's not so, and the nations with better results in dealing with drug use have done just that...legalized it and regulated it.


Why should anyone with a preexisting condition seek insurance after they find out they have a problem? Because no one should have to face poverty, illness, pain, or even death because of a preexisting condition. The fact is, I seriously doubt any legitimate insurance company is going to be put out of business because of people with preexisting conditions signing on - it just means the CEO would be taking home just 99 million, rather than a 100 million annually.


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Pabbicus
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01 Dec 2013, 6:05 pm

True justice would be a non-hierarchical classless system wherein all resources are pooled and distributed by need first and then comparative wants and uses second.

In the absence of that, restrictions on the ability of the rich to coerce the poor are steps in the right direction.



ruveyn
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01 Dec 2013, 7:09 pm

Pabbicus wrote:
True justice would be a non-hierarchical classless system wherein all resources are pooled and distributed by need first and then comparative wants and uses second.

In the absence of that, restrictions on the ability of the rich to coerce the poor are steps in the right direction.


Everyone has needs and few have abilities and the willingness to do the hard work. A need-based economy would collapse in under five years. Everyone would be signing up to have his "needs" fulfilled and few would sign up to do the fulfilling.

Result, there will soon be compulsory labor allocations. People will be assigned to do work whether they like it or not.

A need based system has NEVER worked in the entire history of human culture. Need based economies quickly morph in to tyranny and slavery.

Here is the bottom line: At hear people are far more selfish than they are good. That will NEVER CHANGE until the skies open and Jesus comes down with his Flaming Sword.

ruveyn



aghogday
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02 Dec 2013, 8:00 am

ruveyn wrote:
Pabbicus wrote:
True justice would be a non-hierarchical classless system wherein all resources are pooled and distributed by need first and then comparative wants and uses second.

In the absence of that, restrictions on the ability of the rich to coerce the poor are steps in the right direction.


Everyone has needs and few have abilities and the willingness to do the hard work. A need-based economy would collapse in under five years. Everyone would be signing up to have his "needs" fulfilled and few would sign up to do the fulfilling.

Result, there will soon be compulsory labor allocations. People will be assigned to do work whether they like it or not.

A need based system has NEVER worked in the entire history of human culture. Need based economies quickly morph in to tyranny and slavery.

Here is the bottom line: At hear people are far more selfish than they are good. That will NEVER CHANGE until the skies open and Jesus comes down with his Flaming Sword.

ruveyn


Well the fact is most people view other people based on their own personality..perceptions..and experiences of 'their' world....

For one thing.. good is only an illusion.. only an abstract concept..
A side effect of collective intelligence and cultural byproducts...

But one thing that there is reams of evidence for is that humans intrinsically and other social animals as well.. above all things.. cooperate for the overall subsistence of the group..beyond the needs of the individual...

But yah..ya got autism so your world view would not likely match this...

But nah..ya ain't seeing the big picture friend..most obviously from your limited world view...

And nah..i ain't probably seeing the whole dam thing eitha..cause I got 'IT'2....

And of course.. as this has already been discussed in the past..per homogeneity of culture and extremely successful mixed free market social welfare states..as there are in Scandinavia..

They work..they work..they work..and they work some more...

Simply because the health of the society is modeled around cooperation..

Not the patriarchal 'evangelical' ways of the great protestant white way...in the US...

And yah..that is an over generalization..but it does pain't' the general picture..satisfactorily enough I think...

But your selfish gene thingy has long passed been evidenced as not the reality of what it means to be a social animal..

Even other primates are evidenced to have altruistic characteristics...

But nah..i am not seeing that with you friend..other than who you can consider to be the equal of what you think you are as better..

But..you have mentioned encouraging things...like you help others so that at least means you are not likely the villain type of unfeeling person....

But nah again..most humans.. the vast majority of human beings do love each other and cooperate over their own selfish desires..

Otherwise they simply would not continue to gain subsistence..reproduce..and flourish..on ALL four corners of the world....

And by the way Jesus is already here..even though there is plenty of bad press on the Christians that DO NOT FOLLOW IN THE FOOTSTEPS OF JESUS..

There are millions more that do..and those people do not personally judge people who are simply different from them like gay folks..Muslim folks..etc. as going to hell and all OF that...

It is one thing to worship a dead man on a cross...

And it is a completely different thing to actually put "HIS" shoes on..and walk the walk....

And nah his TRUE HISTORICAL TEACHINGS.. ain't the only path or way to human cooperation and peaceful societies that actually WORK...

THERE ARE LITERALLY THOUSANDS MORE..

THAT DO WORK..

AND MAKE AN ACTUAL HEALTHY AND PEACEFUL SOCIETY WORK....

And we are seeing more of It NOW THAN EVER BEFORE ACROSS THE WORLD..

BUT NAH..ya might not be included in 'we' friend..

And that truly is the saddest part of all in my own estimation...

I wish better for you..before you die....

TH@ISALL...


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ruveyn
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02 Dec 2013, 10:07 am

There is -willing- cooperation and there is the press gang.

ruveyn



Kraichgauer
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02 Dec 2013, 11:13 am

ruveyn wrote:
There is -willing- cooperation and there is the press gang.

ruveyn


Without the "press gang," who's to say we'd have a collective effort to pay for fire and police protection, or even national defense. We collectively choose to make ourselves cooperate for the greater good.


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zer0netgain
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02 Dec 2013, 12:16 pm

Kraichgauer wrote:
Why should anyone with a preexisting condition seek insurance after they find out they have a problem? Because no one should have to face poverty, illness, pain, or even death because of a preexisting condition. The fact is, I seriously doubt any legitimate insurance company is going to be put out of business because of people with preexisting conditions signing on - it just means the CEO would be taking home just 99 million, rather than a 100 million annually.


The point is that INSURANCE does not protect you from a known risk that WILL happen.

Car insurance won't cover you if you are racing, doing demolition derby, etc.

Life insurance won't cover you if you are over a certain age (whole life policies don't count).

Health insurance isn't there to pay your medical bills when you KNOW you are sick and need medical care. You buy it BEFORE you know of the need. Buying it knowing of a need is similar to setting your house on fire to collect the insurance money.



Kraichgauer
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02 Dec 2013, 12:24 pm

zer0netgain wrote:
Kraichgauer wrote:
Why should anyone with a preexisting condition seek insurance after they find out they have a problem? Because no one should have to face poverty, illness, pain, or even death because of a preexisting condition. The fact is, I seriously doubt any legitimate insurance company is going to be put out of business because of people with preexisting conditions signing on - it just means the CEO would be taking home just 99 million, rather than a 100 million annually.


The point is that INSURANCE does not protect you from a known risk that WILL happen.

Car insurance won't cover you if you are racing, doing demolition derby, etc.

Life insurance won't cover you if you are over a certain age (whole life policies don't count).

Health insurance isn't there to pay your medical bills when you KNOW you are sick and need medical care. You buy it BEFORE you know of the need. Buying it knowing of a need is similar to setting your house on fire to collect the insurance money.


So what are we supposed to do with people with preexisting conditions? Just let them die, or become bankrupt? And what if the person in question isn't an adult who has lived a hard and fast life, but a child born with a medical condition? Are we to turn a blind eye to that child?
Claiming to be a Christian nation goes beyond sticking your nose into people's bed rooms, or telling other people what they should and shouldn't watch on TV or movies, but rather should be about caring for the most vulnerable.


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ruveyn
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02 Dec 2013, 12:27 pm

Kraichgauer wrote:
So what are we supposed to do with people with preexisting conditions? Just let them die, or become bankrupt? .


Whatever became of Christian Charity?

ruveyn



Kraichgauer
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02 Dec 2013, 1:53 pm

ruveyn wrote:
Kraichgauer wrote:
So what are we supposed to do with people with preexisting conditions? Just let them die, or become bankrupt? .


Whatever became of Christian Charity?

ruveyn


Personal and church donations are always welcome, but it's limited to the financial ability of the church body, and the individual - not to mention how many churches often only help their own for the most part.. The government, on the other hand, has limitless resources and reach.


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03 Dec 2013, 12:57 am

Kraichgauer wrote:
ruveyn wrote:
Kraichgauer wrote:
So what are we supposed to do with people with preexisting conditions? Just let them die, or become bankrupt? .


Whatever became of Christian Charity?

ruveyn


Personal and church donations are always welcome, but it's limited to the financial ability of the church body, and the individual - not to mention how many churches often only help their own for the most part.. The government, on the other hand, has limitless resources and reach.

Annnnd the church often proselytizes at the people who receive church charity, or even forces people to participate in sectarian religious activities in order to receive the charity that they need for their families.