It would be nice if we could see some insurance contracts as opposed to news stories about said insurance contracts. Because it's really easy for 9 of 10 companies to say "But we don't do that". If we're going to make another ad, I think it should stick to the companies guilty of it, rather than giving others something to pride themselves on.
The thing is it is not the contract it is the benefits you purchase that determine what they cover. And getting a copy of your benefits is actually an uphill battle now. I think the last benefits book my mom got for my dad's office(self employed) took her calling and talking to the insurance company for almost 2 months.
Mazzyx on
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FencingsaxIt is difficult to get a man to understand, when his salary depends upon his not understandingGNU Terry PratchettRegistered Userregular
It would be nice if we could see some insurance contracts as opposed to news stories about said insurance contracts. Because it's really easy for 9 of 10 companies to say "But we don't do that". If we're going to make another ad, I think it should stick to the companies guilty of it, rather than giving others something to pride themselves on.
The problem is that those are private. As in, we aren't allowed to see them.
Fencingsax on
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GoslingLooking Up Soccer In Mongolia Right Now, ProbablyWatertown, WIRegistered Userregular
edited October 2009
One can really only go by what they've already called a pre-existing condition in the past. I think all you need is proof that it has happened to somebody, somewhere. Nobody is showing very much interest in differentiating one insurance company from another anyway, so I think that issue is academic.
Gosling on
I have a new soccer blog The Minnow Tank. Reading it psychically kicks Sepp Blatter in the bean bag.
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GoslingLooking Up Soccer In Mongolia Right Now, ProbablyWatertown, WIRegistered Userregular
edited October 2009
#10: Your 60th birthday. (I add this one because this particular victim had a clean bill of health beforehand and there's nothing else to point to.)
Gosling on
I have a new soccer blog The Minnow Tank. Reading it psychically kicks Sepp Blatter in the bean bag.
You know what we should do? Get a list together of all the insane things that have been called 'pre-existing conditions' by insurance providers that we can scrounge up since the healthcare debate began and get it all in one place. Then circulate the list. The pre-existing condition angle seems to be a winner, so I figure press it as much as possible.
Yeah, while I understand the concept of preexisting conditions and how they're supposed to work, a lot of insurance companies abuse it. Which is sort of like saying that Hitler abused toxic gas.
I'm fully aware that there are bills that are currently being considered. That doesn't mean they can't change.
I know that, currently, insurance companies don't have the right to march into your house, beat you to death, and steal all of your jewelry. But that doesn't mean a bill couldn't be passed tomorrow granting them that right!
What I'm saying is that it's only logical to send death squads out to kill all of the insurance company executives before they kill us first. Just in case.
You know what we should do? Get a list together of all the insane things that have been called 'pre-existing conditions' by insurance providers that we can scrounge up since the healthcare debate began and get it all in one place. Then circulate the list. The pre-existing condition angle seems to be a winner, so I figure press it as much as possible.
Yeah, while I understand the concept of preexisting conditions and how they're supposed to work, a lot of insurance companies abuse it. Which is sort of like saying that Hitler abused toxic gas.
Which is... kind of the entire point of this little project. Show off just how badly it's being abused.
You know what we should do? Get a list together of all the insane things that have been called 'pre-existing conditions' by insurance providers that we can scrounge up since the healthcare debate began and get it all in one place. Then circulate the list. The pre-existing condition angle seems to be a winner, so I figure press it as much as possible.
Yeah, while I understand the concept of preexisting conditions and how they're supposed to work, a lot of insurance companies abuse it. Which is sort of like saying that Hitler abused toxic gas.
Which is... kind of the entire point of this little project. Show off just how badly it's being abused.
...and the fact that it's perfectly legal to do under the current system.
ElJeffe on
I submitted an entry to Lego Ideas, and if 10,000 people support me, it'll be turned into an actual Lego set!If you'd like to see and support my submission, follow this link.
If you want to know where medical costs can be cut, look no further than medical technicians. My friend went into the field and the starting pay is about 55 grand.
It's pretty much why he went into the field.
So you get paid 55,000 dollars to take a vial of urine, put it into a machine, and have it analyze it and produce results.
55,000 dollars.
To press buttons.
Granted, it is a bit more involved than that, and it does require an education, but it is stupidly easy for anyone who has taken an undergraduate degree in biological sciences.
SkyGheNe on
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GoslingLooking Up Soccer In Mongolia Right Now, ProbablyWatertown, WIRegistered Userregular
edited October 2009
There's a theme I'm coming across going back on the Google News feed. Seems they won't let you have the swine flu shot if you have a pre-existing condition, and failure to get that shot has caused quite a few deaths.
So there's that bit of fun.
Gosling on
I have a new soccer blog The Minnow Tank. Reading it psychically kicks Sepp Blatter in the bean bag.
It would be nice if we could see some insurance contracts as opposed to news stories about said insurance contracts. Because it's really easy for 9 of 10 companies to say "But we don't do that". If we're going to make another ad, I think it should stick to the companies guilty of it, rather than giving others something to pride themselves on.
The problem is that those are private. As in, we aren't allowed to see them.
They're not entirely private. I work for an insurance company and the contracts for members who purchase from us directly (not part of an employer group) are available on our website without any kind of authentication.
Edit: The contracts include benefit summaries as well.
Mr Obersmith on
Battle.net - Obersmith#1709
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GoslingLooking Up Soccer In Mongolia Right Now, ProbablyWatertown, WIRegistered Userregular
edited October 2009
Okay, I'll leave it at 11 for now; if someone can find me something else I'd be happy to add it. To recap:
There's a theme I'm coming across going back on the Google News feed. Seems they won't let you have the swine flu shot if you have a pre-existing condition, and failure to get that shot has caused quite a few deaths.
So there's that bit of fun.
There's also that whole shortage thing... this one's not all on insurance companies.
Not to mention flu shots don't cost insurance companies a dime. They are pre-purchased. The only costs you pay are administrative fees, essentially.
Apparently there are 55 republican representatives on medicare who oppose the public option and someone is calling them on their hypocrisy.
First of all, the government is their employer, which is where most people get their health insurance. Secondly, you are automatically enrolled in Medicare at 65 if you are collecting social security. A congressman is currently suing because they won't let him collect SS unless he keeps Medicare.
Yar on
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ChanusHarbinger of the Spicy Rooster ApocalypseThe Flames of a Thousand Collapsed StarsRegistered Userregular
Apparently there are 55 republican representatives on medicare who oppose the public option and someone is calling them on their hypocrisy.
First of all, the government is their employer, which is where most people get their health insurance. Secondly, you are automatically enrolled in Medicare at 65 if you are collecting social security. A congressman is currently suing because they won't let him collect SS unless he keeps Medicare.
Is that Dick Armey or some other moron that thinks that if we just got rid of all that darn regulation and abolished medicare the free market would jump at the chance to insure 70 year olds?
Deebaser on
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Deebaseron my way to work in a suit and a tieAhhhh...come on fucking guyRegistered Userregular
Apparently there are 55 republican representatives on medicare who oppose the public option and someone is calling them on their hypocrisy.
First of all, the government is their employer, which is where most people get their health insurance. Secondly, you are automatically enrolled in Medicare at 65 if you are collecting social security. A congressman is currently suing because they won't let him collect SS unless he keeps Medicare.
I'm betting most of them don't need SS or medicare.
CommunistCow on
No, I am not really communist. Yes, it is weird that I use this name.
A congressman is currently suing because they won't let him collect SS unless he keeps Medicare.
That's kind of borderline stupid.
I guess. There is definitely a perception that Social Security is a government retirement account, that it's your money that you've been saving with the government. Whereas medicare is seen more as a tax and an entitlement. Despite that they are both the latter. Anyway, it isn't surprising that there are people who want their SS benefits that they've been saving for, but who see Medicare as government health care and they don't want it.
A congressman is currently suing because they won't let him collect SS unless he keeps Medicare.
That's kind of borderline stupid.
I guess. There is definitely a perception that Social Security is a government retirement account, that it's your money that you've been saving with the government. Whereas medicare is seen more as a tax and an entitlement. Despite that they are both the latter. Anyway, it isn't surprising that there are people who want their SS benefits that they've been saving for, but who see Medicare as government health care and they don't want it.
Those people are fucking morons. Most states allow age band pricing for health insurance premiums and most of those don't set a cap on the difference.
Government run insurance is the only way most Medicare beneficiaries are insurable. period. the end.
If you ever wondered where Kirk Cameron disappeared to, there's your answer. Now if only he'd disappear again into obscurity...
Wait, a story about an entire world consisting of nothing but intellectuals, progressives, and compassionate liberals. I can't imagine how that would end up a pro-conservative movie.
Unless the whole world is in disarray because all the christian John Galts disappeared. Is this movie just Atlas Shrugged 2: Shrug Harder?
Apparently there are 55 republican representatives on medicare who oppose the public option and someone is calling them on their hypocrisy.
First of all, the government is their employer, which is where most people get their health insurance. Secondly, you are automatically enrolled in Medicare at 65 if you are collecting social security. A congressman is currently suing because they won't let him collect SS unless he keeps Medicare.
Question: I'm a faceless bureaucrat in the Labor Department in DC, and we don't get "government health insurance." There's no Uncle Sam's Discount Health Insurance Boutique and BBQ Rib Pit, just a shit ton of private insurance options with lower premiums thanks to the government's bargaining power.
But that's just my Department. Do Congressmen get an honest-to-God government insurance provider? Or just lots of cheap options?
Apparently there are 55 republican representatives on medicare who oppose the public option and someone is calling them on their hypocrisy.
First of all, the government is their employer, which is where most people get their health insurance. Secondly, you are automatically enrolled in Medicare at 65 if you are collecting social security. A congressman is currently suing because they won't let him collect SS unless he keeps Medicare.
Question: I'm a faceless bureaucrat in the Labor Department in DC, and we don't get "government health insurance." There's no Uncle Sam's Discount Health Insurance Boutique and BBQ Rib Pit, just a shit ton of private insurance options with lower premiums thanks to the government's bargaining power.
But that's just my Department. Do Congressmen get an honest-to-God government insurance provider? Or just lots of cheap options?
They get slightly better than that. They get the employed by the government Basement of the US Capitol Well Financed Health Clinic.
enlightenedbum on
Self-righteousness is incompatible with coalition building.
Apparently there are 55 republican representatives on medicare who oppose the public option and someone is calling them on their hypocrisy.
First of all, the government is their employer, which is where most people get their health insurance. Secondly, you are automatically enrolled in Medicare at 65 if you are collecting social security. A congressman is currently suing because they won't let him collect SS unless he keeps Medicare.
Question: I'm a faceless bureaucrat in the Labor Department in DC, and we don't get "government health insurance." There's no Uncle Sam's Discount Health Insurance Boutique and BBQ Rib Pit, just a shit ton of private insurance options with lower premiums thanks to the government's bargaining power.
But that's just my Department. Do Congressmen get an honest-to-God government insurance provider? Or just lots of cheap options?
Both. The government gives them private health insurance and there is a facility on Capitol Hill that provides free, government run healthcare to Congressmen (among other things).
But that's just my Department. Do Congressmen get an honest-to-God government insurance provider? Or just lots of cheap options?
Both. The government gives them private health insurance and there is a facility on Capitol Hill that provides free, government run healthcare to Congressmen (among other things).
So, all the congressmen fighting against medicare part E are just saying "Nooo, we can't let the plebs have nice stuff!"?
But that's just my Department. Do Congressmen get an honest-to-God government insurance provider? Or just lots of cheap options?
Both. The government gives them private health insurance and there is a facility on Capitol Hill that provides free, government run healthcare to Congressmen (among other things).
So, all the congressmen fighting against medicare part E are just saying "Nooo, we can't let the plebs have nice stuff!"?
Yeah. So pretty much par for the course for pretty much any government.
This is extremely good to hear. It's getting floated that pretty blatantly that Reid thinks he has 51 votes for the public option, and that the centrist Dems are going to be willing to vote for cloture and get their pound of flesh by railing against the public option on the floor knowing full well it'll pass anyway. It's good enough to make me not more than mildly disgusted Snowe is trying to trot out the old "let's take our time" chestnut.
Posts
EDIT- #9: Substandard home construction. (AKA, Chinese drywall.)
The problem is that those are private. As in, we aren't allowed to see them.
Yeah, while I understand the concept of preexisting conditions and how they're supposed to work, a lot of insurance companies abuse it. Which is sort of like saying that Hitler abused toxic gas.
what? what am i doing?
oh. yes, very funny. ha ha ha
now i was busy looking for a shovel, excuse me~
Which is... kind of the entire point of this little project. Show off just how badly it's being abused.
EDIT: #11: Failure to properly identify pre-existing conditions.
...and the fact that it's perfectly legal to do under the current system.
It's pretty much why he went into the field.
So you get paid 55,000 dollars to take a vial of urine, put it into a machine, and have it analyze it and produce results.
55,000 dollars.
To press buttons.
Granted, it is a bit more involved than that, and it does require an education, but it is stupidly easy for anyone who has taken an undergraduate degree in biological sciences.
So there's that bit of fun.
They're not entirely private. I work for an insurance company and the contracts for members who purchase from us directly (not part of an employer group) are available on our website without any kind of authentication.
Edit: The contracts include benefit summaries as well.
Live - MrObersmith
PSN - Obersmith
*Rape ( http://www.huffingtonpost.com/2009/10/21/insurance-companies-rape-_n_328708.html )
*Domestic violence ( http://www.cnn.com/2009/POLITICS/10/06/domestic.violence.insurance/ )
*Pregnancy ( http://firedoglake.com/2009/09/17/late-night-sorry-lady-but-your-gender-is-a-pre-existing-condition/ )
*Having a Caesarean section ( http://www.nytimes.com/2008/06/01/health/01insure.html?_r=2 )
*Overweight infancy ( http://www.denverpost.com/news/ci_13622906 )
*Underweight infancy ( http://www.denverpost.com/news/ci_13622906 )
*Personality disorders ( http://www.kansascity.com/444/story/1519533.html )
*Alopecia ( http://www.maysville-online.com/articles/2009/10/21/local_news/doc4ade91787ec6c117754272.txt )
*Substandard home construction ( http://www.thestandard.com.hk/news_detail.asp?we_cat=16&art_id=89514&sid=25792936&con_type=3&d_str=&fc=7 )
*Your 60th birthday ( http://themoderatevoice.com/49753/guest-voice-health-insurance-house-of-mirrors/ )
*Failure to properly identify pre-existing conditions ( http://www.cbsnews.com/stories/2009/10/17/politics/main5392287.shtml )
Also, this is semi-related to healthcare: apparently in the new Saw movie all of the victims are people that worked for the healthcare insurer that denied coverage for Jigsaw's cancer treatment. I just thought that was interesting considering what's being discussed now in Congress.
There's also that whole shortage thing... this one's not all on insurance companies.
Not to mention flu shots don't cost insurance companies a dime. They are pre-purchased. The only costs you pay are administrative fees, essentially.
Which sign of the apocalypse is it that the Saw franchise is making political statements?
http://www.huffingtonpost.com/2009/10/23/anthony-weiner-gop-public_n_331444.html
Apparently there are 55 republican representatives on medicare who oppose the public option and someone is calling them on their hypocrisy.
That's kind of borderline stupid.
Is that Dick Armey or some other moron that thinks that if we just got rid of all that darn regulation and abolished medicare the free market would jump at the chance to insure 70 year olds?
what the fuck?
Torture porn; your source for all things current events.
I'm betting most of them don't need SS or medicare.
Drag Me To Hell tormented a Forclosure Lady, I'm seeing a pattern here.
Next year, conservatives will retaliate with gays, intellectuals and minorities being tormented just for being what they are.
Oh, wait...
he's always been portrayed as sympathetic to some degree despite doing horrible things to people
whenever someone fucks themselves over beyond all hope it's usually through some fault of their own
unless they wound up being tortured by one of his assistants who was just a flat-out psychopath who designed inescapable traps
That was just the best link I could find of it; none of the ones that came up were very good.
If you ever wondered where Kirk Cameron disappeared to, there's your answer. Now if only he'd disappear again into obscurity...
Those people are fucking morons. Most states allow age band pricing for health insurance premiums and most of those don't set a cap on the difference.
Government run insurance is the only way most Medicare beneficiaries are insurable. period. the end.
Wait, a story about an entire world consisting of nothing but intellectuals, progressives, and compassionate liberals. I can't imagine how that would end up a pro-conservative movie.
Unless the whole world is in disarray because all the christian John Galts disappeared. Is this movie just Atlas Shrugged 2: Shrug Harder?
Question: I'm a faceless bureaucrat in the Labor Department in DC, and we don't get "government health insurance." There's no Uncle Sam's Discount Health Insurance Boutique and BBQ Rib Pit, just a shit ton of private insurance options with lower premiums thanks to the government's bargaining power.
But that's just my Department. Do Congressmen get an honest-to-God government insurance provider? Or just lots of cheap options?
They get slightly better than that. They get the employed by the government Basement of the US Capitol Well Financed Health Clinic.
Yeah. So pretty much par for the course for pretty much any government.