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Treasured Social Butterfly
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Re: GOP - Marketplace Competition Will Save You

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Message 31 of 69
Healthcare is a right, not a priviledge. Introducing private insurance into healthcare is simply greed. The bigger the pool, the better the risk is spread..and thats the argument for nationl healthcare. you eliminate all the CEO pay, cut the admin costs, streamline the paperwork. SImply saying anything run by the govt is a mess, is a dodge from the debate. its a mess now. tell me why any health care company should be on the stock exchange please. the mission of any insurance company includes profit. If its single payer by the govt, the only mission is to provide healthcare to everyone. So folks, i need you to tell me why you are against healthcare for everyone.
So it begins.
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Re: GOP - Marketplace Competition Will Save You

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Message 32 of 69
mick posted..

Insurance is about Risk not Competition

=======================================

Its about both.
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Re: GOP - Marketplace Competition Will Save You

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Message 33 of 69

@rk9152 wrote:

@Olderscout66 wrote:

Republicans want Insurance companies to operate across State lines for the same reason they let credit card companies operate across State lines - it allows them to screw the customer legally because only the laws of the state they're incorporated in apply to their operations - SCOTUS said so back in the 60's. In the case of credit card companies, they all created legal fictions of being in North Dakota that had no usary laws, which is how you can wind up paying fees and interest that would make a Mafia Don blush instead of the fairly standard "1% per month on the unpaid balance" most of us had BEFORE that GOPer great idea.

 

GOPers also want to allow companies to sell worthless policies that were banned under PPACA because the GOPers know there's lots of mathematically challenged young people out there who will waste their money on policies that are nothing but "cash cows" for the companies and provide no real coverage for the consumer. Republicans say "that's FREEDOM" when it's really more legalized screwing of the 99%.


That last part assumes that 99% of our population are freeloading slugs. I really think that you have a low opinion of your fellow citizens.

 

Most people are quite content to make their own way in life and are not looking to the government to steal another persons property for their own personal benefit.

 

This envy of the property of others is, I believe, contained to a very small portion of our population who obsess over the 1% and the 99%. 


This envy of the property of others..is why we have that big sucking sound of money being funneled to the top. 

So it begins.
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Re: GOP - Marketplace Competition Will Save You

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Message 34 of 69

Unfortunately, many in this discussion simply do not understand the principles of Insurance

 

Insurance is about Risk not Competition

 

A 20 year old is going to get cheaper rates on Healthcare than a 60 year old

 

A 20 year old is going to get cheaper rates on Life Insurance then a 60 year old

 

A 60 year old is going to get cheaper rates on Auto Insurance than a 20 year old

 

It doesn't matter if the Insurance is being sold across state lines or the border of a country - it's about risk

 

Life and Health Insurance for a 20 year old in Raqqa Syria is going to cost more than for a 20 year old in South Bend Indiana

 

Selling Health Insurance Across State Lines is not a Regulatory Issue it's too costly a proposition to build new Networks of Doctors and Hospitals and Medical Groups that are spread out over large geographical areas........................and already under contract with existing insurers

 

A Health Insurance Company like United can;t just hang out a sign and say we are now offering coverage in New Hampshire when the Entire Medical Establishment in New Hampshire is under contract with existing Insurers like Aetna

 

 

 

 

( " China if You're Listening - Get Trumps Tax Returns " )

" )
" - Anonymous

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Re: GOP - Marketplace Competition Will Save You

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Message 35 of 69

    Gee, one is spouting free-market stuff is not dealing with reality, or at least in the healthcare market.   It is not like any other market, despite them attempting to sell that line.    So here is a question / scenario.    

 

1.   Blood is a precious commodity.    Whole blood is collected from volunteers and it is mostly processed into 3 components:   RBC ( for oxygen carrying capacity), FFP (coagulation factors) and Platelets ( stop bleeding).    Each component is priced separately and it differs from region to region because of the labor costs.   Generally speaking, the testing performed by each Donor Collection Center is standardized and follows the mandatory testing guidelines as required by the FDA.

 

2.    Are blood components just another commodity that may or may not be included in a Healthcare Insurance plan - because some religions groups do not believe in transfusion - so why should they have to pay for something they never would use?

 

3.    What if the insurance plan a person purchased said that they would only cover the cost of 4 units of RBC's but any other blood product or more that 4 units of RBCs - well the consumer is on their own?    And then conumer is in a car wreck (massive injury)  - or the consumer was diagnosed with Cancer that could be treated with chemotherapy ( which often times destroys one's own ability to manufacturer blood components) - is that what supply and demand should mean in healthcare insurance.     Bankruptcy or Death- the consumer is supposed to choose and guess about the unknown, because the Insurance company says so via the "free market" competition. 

 

4.    A mere modicum of basic research indicates that the number of public companies offering HCinsurance are now at 35 - is that enough - assuming that they are all in each area ( which they are not).   

 

Supply / Demand is bs when someone's life is at risk - regardless of the RW denial - as long as it isn't them who is being denied ACCESS.     

PRO-LIFE is Affordable Healthcare for ALL .
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Re: GOP - Marketplace Competition Will Save You

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Message 36 of 69
Panjandrum

I thought you were talking about Medicare and Medicaid? Yes? No? Anyway, many insurance plans cover things the buyer may not think they want or need, but there they are, take it or leave it. Tell me, what private health insurance plans are offered a la carte where you get to pick what you want covered and pay for nothing else?

--Yes i was talking about Medicaid and Medicare and how you have no choice...you take their plan..no choice.

--Under insurance companies, not Medicaid and Medicare you have choices ..they have many plans.

-- la carte no

Marketplace Competition Will Save You ...do you have a problem with that? If so why?



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Re: GOP - Marketplace Competition Will Save You

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Message 37 of 69

sp362: Panjandrum - You could also look at this as an implied warranty that what a consumer is buying is merchantable and fit for the purpose intended.

 

 

That's a good point.

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Re: GOP - Marketplace Competition Will Save You

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Message 38 of 69

@Panjandrum wrote:

rk9152:  As long as the market is kept truly free by regulation

 

 

Do you realize that if it can only be called "truly free" because it's regulated, then it's not truly free? Or do you have an alternate definition of truly free?.


Not so. The market can be kept free via legislation that prevents lack of competition as in the case of anti-trust legislation.

 

So, if you have a definition for that concept of a free market which you prefer we can talk about it.

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Re: GOP - Marketplace Competition Will Save You

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Message 39 of 69

KidBoy2: ---The government dictate what is covered..that is not free market...under free market people could get a plan that does not cover pregnancy etc.

 

I thought you were talking about Medicare and Medicaid? Yes? No? Anyway, many insurance plans cover things the buyer may not think they want or need, but there they are, take it or leave it. Tell me, what private health insurance plans are offered a la carte where you get to pick what you want covered and pay for nothing else?

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Re: GOP - Marketplace Competition Will Save You

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Message 40 of 69

@KidBoy2 wrote:
Panjandrum posted...

Well of course they do seeing that both of those are government programs. They were originated by the government to fill a need, not be a profit making vehicle for private companies. Who else would there be to set the rules?

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---The companies are making a profit

---The government dictate what is covered..that is not free market...under free market people could get a plan that does not cover pregnancy etc.

Our healthcare is mostly run by our government so its not a free market.

How would you classify people buying health insurance on their own and health insurance through their employer?  Is that not free market?  Your free market example does not apply.  Could you tell your auto insurance company that you don't want to pay for an accident caused by a speeding driver since you don't speed?  The purpose of insurance is to pool all of the risks.

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