“It’s kind of logical that people who are sick would be more likely to sign up right at the beginning.”
Yes, but tell that to the party who voted over 40 times to repeal the law, knowing very well it wouldn’t be repealed. So, not exactly a party who employs logic.
Logic says you cant get enough premium and fines (taxes) from young healthy people to pay the cost associated with older people and preexisting conditions. So, not exactly a party who employs logic.
80% that signed up are getting subsidies. You middle class folk are getting bent over again.
Well Jack, they have ads for the Millenial sitting around in his jammies drinking hot chocolate thinking about applying, the Gay boys dancing around in their underwear singing its praises for AIDS treatment, who will be next, the online text message kids who haven’t looked up from their phone in a couple of years? Pretty hard to get their attention unless you give them a free app. Oops! The premium is too high, bye, bye.
What middle class? Okay, there is a little bit of it left but 30+ years of Reaganomics has ruined it. Maybe in 10 more years, it will be gone all together if we don’t start correcting that huge toilet browning of an economic policy now.
Cap Planet- not sure where you live? But here in po-duck ville SC I see the middle class driving bmw,lexus,cadi,rover,and the 40k ford trucks all over the place. 4-5 apple phones in the households, 2 ipads and the kids with $300 bikes. The middle class is all over the place. Now I know they have taken a hit the last 5 years and the top 1% is killing it based on wall street, but its still there. Trust me, I’m writing their insurance.
You must live near that really nice and new BMW assembly plant that believe is non union? Good Jobs, well paying, non union and good benefits. The Middle class would be alive and well there. The same for the Mercedes Benz plant in Huntsville Alabama, the Toyota Plant in Georgetown Kentucky, The new Wonder plant in Texas etc.
That’s the upper middle class. Middle class is disappearing before our eyes. Perhaps not the intetion of Reaganomics, but certainly the result. Check out what the wealth gap has done over the last 30 years – you can’t dispute the evidence.
Not necessarily Captain. They are assembly line workers, electricians, pipe fitters. Ancillary businesses in town. They are good middle class jobs.
According to the recent Cato Institute study (on the news tonight) if you want to be a part of the middle class then: 1. Get an education even if you have dropped out, go back and start with your GED. 2. If you are a female, don’t get pregnant and be a single mother and 3. Get a job even if it is a low paying job. It is a start and shows other employers you have initiative that will lead to better jobs.
I think that is better than providing and perpetuating welfare, Medicaid, HUD subsidy, food stamps, ADC, WIC, free Obamaphone etc, etc, etc
January 15, 2014 at 8:51 am
Libby says:
Like or Dislike:
0
0
I don’t think anyone in their right mind would disagree with that strategy Sarge.
January 14, 2014 at 1:55 pm
Agent B says:
Like or Dislike:
0
0
Why !?!?!?
Why sign up for something that I don’t need now and may not need until 15 years from now. 12months x 15years x $300 Monthly Premiums ..(LOW END) = $54,000 down the DRAIN.
Also, I forgot to mention if a young person does get sick … yes they will take the initial hickie, but can’t they just sign up for healthcare the next month … no pre-existing and guaranteed issue … allows me the right to do that …
Besides there is no penalty other than the 1% of my income to do that …
No, they can’t just wait until the next month to sign up. Please familiarize yourself with the law. They have to wait until the next annual enrollment period.
So to answer your question, they would sign up for free preventative care, catastrophies, and other illnesses throughout their lives. I rarely go to the doctor myself but I pay my premium for those very reasons. Most young people I know want to be covered. I’ve even helped a few of them with the process during my free time. They were happy to pay the premium necessary to have coverage. They also thought the process was pretty easy. Win and win.
You are referring to your O so distinguished EXCHANGED or MARKETPLACE.
The Private marketplace will continue to offer coverage anytime during the year, without an OPEN ENROLLMENT PERIOD, such as that of GROUP INSURANCE PLANS.
Wait, that is until there is no PRIVATE INSURANCE plans out there, because of people taking advantage of the system and how it has been written. From there on out it will only be the Marketplace/Exchanges you will be able to buy insurance through. IN lieu of Group policies …
Don’t let me forget to mention this is how SOCIALZED medicine happens …
I did forget to mention that the only effective date that you can currently get on an individual health policy would be the 1st of the next month …
And that the health companies require you to have an application in by at least 15 days before your effective date.
For Example:
If someone got hurt on the 19th of January, they would not be able to get coverage put in place until the 1st of March.
Most of their bills would be charged to them in a Major Emergency, but you can believe that the old cancers and other diseases will still be lingering in 45 days.
Morale of the story : If you get hurt … do it at least 15 days out from the 1st of the next month …
“Wait, that is until there is no PRIVATE INSURANCE plans out there, because of people taking advantage of the system and how it has been written.”
YOU need to familiarize yourself with the LAW, Agent! Private Insurance carriers are the very ones providing coverage through the exchange. Nothing socialized about it.
Currently there are more health options outside of the exchange than that which is in the exchange.
In certain areas, (MANY AREAS) BCBS is the only company that is operating in the exchange.
Sure you could sign up for another plan, but you would be driving 4 hours to see an in-network provider.
January 14, 2014 at 3:56 pm
Whodathunkit? says:
Like or Dislike:
0
0
Agent B is correct. We only put people through the Exchange if they are eligible for a subsidy. Otherwise it is more beneficial to them to go direct to a carrier.
January 14, 2014 at 1:59 pm
FFA says:
Like or Dislike:
0
0
I think my ap count is about 15 now. All adverse Selection. Only two under 30. All with Health Problems…
So Cap, explain the logic of how this is going to work. Leave the Smart Young invincible people that can do the math out of the mix.
They are just too smart to buy into this. They can always claim Bankruptcy and pay a $100 fine as I have already been told on Main St USA..
FFA, did you notice they moved the goal posts once again? When they announced the numbers for the sign up, suddenly the age range changed from 18-34 to 18-38 as representing the young invincibles. I kind of think their numbers weren’t so hot so they had to raise the age. By the end of March, it will probably be up to age 45 as Invincibles.
Agent, Give me any statement and I’ll find facts to back it up.
As Libby has stated previously, it is a living breathing law that will change when ever he feels like it should to meet his agenda.
Did you catch the news that a Chicago politician (I think his name is Medrano) just got released from jail in the Silver Scoop scandal but is headed right back in for campaign fund misuse.
These folks just think they can do anything they want. Sound familiar on a national level?
The Smart Young Invincibles are using the exchange, FFA, and not a Main St. agent. They’re from another generation. 30% of all that have signed up are under 35. Way up from the predictions of Agent and Sarge.
The smart young invincible that I encounter don’t have the patents to work through all the issues with the web site. When they see $250 Co Pay after deductible, they don’t understand that they pay the Ded and then a $250 co Pay on top of that.
They don’t know to check the Docs in Network. Blue Choice is a lot different network then is Blue Cross PPO. They don’t know that there are doc Record Trans fees.
The ones dumb enough to just jump on the web and shop a cheap price are the ones that are getting royally screwed. This because they don’t use a Main St Agent.
BTW, as of yesterday, only Blue Cross and Land of Lincoln (a start up) and Aetna were the only ones offering coverage on the exchange. No Humana Quotes. No Assurant. None of the regionals.
I didn’t say the SHOULDN’T use a Main St. agent, FFA. Just that that’s not their style. As for docs, I don’t think many of them care, as they don’t go to a doc now anyway.
The female population in particular are very fussy about their lady parts docs. I am avoiding that problem. I check docs first and then put the eligible networks on the table.
The young are no different than the older people, when they get to the part where they have to pick a plan – it’s — oh, oh, deductible? Out-of-pocket max? Co-pay? Co-ins? HMO?
PPO? EPO?
I am finding that out. People go on there, cant understand and walk in. Some of these people that are signing up on the exchange don’t have the full story.
Gal yesterday I got signed up was more concerned about keeping her doc then the premium.
I have had 4 walk in unannounced people since the 1st of the year.
January 14, 2014 at 4:27 pm
Libby says:
Like or Dislike:
0
0
People sure are dumb these days.
January 15, 2014 at 8:35 am
Whodathunkit? says:
Like or Dislike:
0
0
Are you talking about the Government being dumb? Regular folks are being asked to make decisions with very little pratical information or background. They are expected to make a purchasing decision based on a law created by people that know less than the people being asked to participate. This law has more holes than Swiss Cheese and I see regular people falling through them everyday and we have dealt with over 200 people since Oct. 1.
January 15, 2014 at 8:53 am
Libby says:
Like or Dislike:
0
0
Yes, people are dumb. The fact that we don’t teach this in school is beyond me, along with how to write a check, balance a checkbook, make a budget, and do your taxes. Now you see why we need all those navigators to help people through the process.
January 15, 2014 at 11:41 am
Whodathunkit? says:
Like or Dislike:
0
0
Are you kidding me? Navigators. They know less then the dumb people you’re ragging on. That is more money poured down the ACA rat hole. Agents are trained, knowledgable, and ready to help. And we are less epxensive than the millions of $$$$$ being waisted on the navigators. It’s another sop to the FOO (friends of Obama).
January 15, 2014 at 12:15 pm
FFA says:
Like or Dislike:
0
0
Libby, the navigator is the one that signed up my prospect into a network the NONE OF HER DOCS were in. 5 total. Record Trans fees are at least $100.00 per depending on how thick the file is. It is the navigators that have no place in this mix.
It was the Navigator that screwed this person.
January 15, 2014 at 12:24 pm
Libby says:
Like or Dislike:
0
0
Well, whoda and FFA, get out there and help these poor, dumb people. And make a few bucks while you’re at it. What are you doing bellyaching about it on an IJ blog? It’s getting old.
January 15, 2014 at 1:28 pm
FFA says:
Like or Dislike:
0
0
Libby, I am out there helping people. I just got off the phone with another one dupped by a navigator. Put them in a plan that none of her doct are in.
In the mean time, City Zoning guy came in and told me I need to take my signs down… I have had numerous calls and a few walk ins and a few sales. Now I have to get a permit to keep my signs up…. What a crock of s#$@…
January 14, 2014 at 2:02 pm
Original Bob says:
Like or Dislike:
0
0
They voted in Obama but now are unwilling to help share in the cost of his signature program. Little information, compassionate with other people’s money and apparently very selfish – shame on the youth for not signing up and taking on more debt. They must have missed that buying in to Hope and Change really did mean “buying in” but with their own money.
30% have bought in, Original. Of the other 70%, many may either have insurance through work or are on their parent’s policy. It’s not all doom and gloom, no matter how hard you want it to be.
Hey OBob, they voted for Hope & Change. They didn’t know or care what the consequences were. Do you think they would rather have an iphone or Health Insurance for $300-500 per month. I think it is an easy choice for most Millenials.
You mean a 25 y.o. man who has spent about $0 in his last 25 years on this earth doesn’t want to fork over around 3-$500 monthly to help the sick people out there that need insurance.
Wow, how shameful of this young person trying to save up for their first house, pay off their debtors(college), and start a family … (marriage, house, etc…)
What is this country coming too … O wait, they are penalizing him anyway.
Socialized medicine has been passed through legislation in AMERICA. +
You just described a responsible young person (paying off debt, buying a home, starting a family.) Any responsible person knows they must purchase health insurance, ESPECIALLY if they are buying a home and starting a family. It’s the price of admission.
I can make every argument for any number of things that is being made for the requirement of healthcare.
If you can’t honestly see this, then there is no reason for a serious discussion.
January 15, 2014 at 9:08 am
Libby says:
Like or Dislike:
0
0
Yes, you can make any silly or inane argument you want. That doesn’t mean it will be taken seriously. I don’t necessarity agree with the individual mandate, but I think everyone should have access to health insurance.
January 14, 2014 at 2:16 pm
jack says:
Like or Dislike:
0
0
Hey the subsidies worked so well with pre-firm flood insurance, maybe they will so the same for health insurance? LOL
Isn’t insurance in and of itself socialist? The dollars of many go to pay the claims of the few. That’s how it works and that’s how it’s always worked.
Libby- no insurance is the law of large numbers,risk pools, reserves and reinsurance.
Socialism is theft, is mandatory and fails. EVERY TIME
January 14, 2014 at 3:42 pm
FFA says:
Like or Dislike:
0
0
Its never been jack up the cost of one demographic expecting few claims to pay for another demographics high volume of claims.
I cant live long enough for Blue Cross to even break even on what my wife will be submitting. New Pain doc for her. Increased her meds…
January 15, 2014 at 8:39 am
KY jw says:
Like or Dislike:
0
0
Oh, man, FFA, sorry to hear your wife is doing poorly. My hubby’s back is a mess. Thankfully, he’s not on any every day pain meds. Good luck with the new doc & meds.
January 15, 2014 at 9:02 am
Agent B says:
Like or Dislike:
0
0
It’s actually GAMBLING … wagering of your premiums vs. your risk of a claim.
O and protection of assets ..
January 15, 2014 at 9:21 am
Ron says:
Like or Dislike:
0
0
Agent B,
If you are truly an agent, you need to get educated or get out of the business. Do you tell your clients that they are gambling or protecting their financial assets?
Gambling is speculative risk where you have a chance to win or lose.
Insurance is for pure risk where an insured, in theory, cannot profit.
January 15, 2014 at 1:50 pm
FFA says:
Like or Dislike:
0
0
Thanks, JW. Since her accident, her meniscus is “seeping out from under her knee cap”. There is no “fix”. She is going to need a gel shot at regular intervals. When she is older, a knee replacement is in order.. This is a result of texting while driving. Still, she keeps plugging away keeping up her normal flow of activities. She can no longer get in the therapy pool that was a great help with the Fibromialga because of the knee thing.
She had to change pain docs because of the OBama Care (PPPACA) to avoid out of network charges. Yes, I have to pay the trans fee….
Its my life. I just keep plugging away. Govt intrusion into the insurance industry (Comp Reform & PPPACA) has hurt the quality of life. Working 6 days a week to replace what them aholes took from me… Looking like I am going to have to lay off another by end of the month… That’s Springfield and DC working for the people…
January 14, 2014 at 2:44 pm
Agent B says:
Like or Dislike:
0
0
Well, effectively right now it is only those without enough money to pay cash for their properties.
Sorry Libby, the smart young invincibles are NOT using the exchange. It is more like the ignorant, lazy momma’s kids who arise at noon and lay around on their parents insurance. Even them when they get the bill, they don’t sign up unless the subsidy makes it almost free. What a country.
If all of those people were signing up, The liar in charge would be publishing the stats. He is and they aren’t signing up
Oh come on Libby, 30% of what goal? They have not hit a forecast or “goal” since they started this tu*d. Just this evening CNN said that 79% of those who signed up we’re Medicaid and that 80% had subsidies. That is far from what the liar in charge and his band of idiots sold the American people. I find it interesting that when liberals need to make something look good they just change the numbers to something they like.
Click on the link below. Here is an Obama supporter who admits to abusing the welfare system and is pleased to do it. This is a live interview. Unbelieveable.
WELFARE ABUSE: 32 years old Austin, TX welfare recipient says working is stupid. – Safeshare.TV
Well Libby for someone who has stated that they do not watch videos and has no sound on their computer, how would you even know what the link said or how to respond?
You could see the video? Click on the video. You will find out that there are no typed or text on the link. It is a radio broadcast, so there was nothing to read, only hear. So again, tell me how you could hear a copy of a radio broadcast without any sound? So it looks like you were either lying on the last blog or you are lying now.
January 17, 2014 at 8:55 am
Libby says:
Like or Dislike:
0
0
Click on your own f’ing link, dumbass. It has the date of the broadcast, the radio station, and it says “32 year old welfare recipient thinks working is stupid.” It wasn’t hard to google from that. I don’t know why you are so fixated on trying to catch me in a lie. I’ve told you a million times, I’m not a liar.
January 14, 2014 at 4:51 pm
FFA says:
Like or Dislike:
0
0
One thing is for sure, for now anyways, its the law of the land. It is up to Agents across the land to do what is right given the current circumstances by our clients.
I am sure Obama will figure out some other way to screw us agents when people decided its best to use an agent.
I am still waiting n the day when he gets to sit on the stand and tell us what he did / did not know about Blago, Levine rezco – you know – his old pals… His pal JR being the one that wanted to buy the seat…. Wonder if Jr consulted with Obama on that matter…
Since the PPACA was announced in 2011; health premiums in the individual and group market have gone up more than they have in the past 10 years; IN TWO YEARS.
And yes … this is a fact from an existing book of business study.
Since you like facts so much, I found this on Politifact:
“The RNC said ‘the average family premium has increased by 29% under Obama!’ The leading study confirms that rise, which occurred over the course of five years. If you calculate the increases on an annual basis, premiums have risen by about 5.8 percent a year under Obama, which is less than half of the average annual rise during the nine years before Obama took office.”
Ron, it appears to me that this is what is happening to his clients.
My group went up 18.53%%% 2013 vs 2014. Provide any contact you want and I will show you the document. Providing this contact info was against advice of the IJ.
January 15, 2014 at 1:43 pm
Ron says:
Like or Dislike:
0
0
FFA,
I originally interpreted that as a larger study, not one agent’s book of business. My bad.
Being a numbers person, I prefer to rely one large sample sizes regarding studies. It eliminates outliers or factors that may be impacting a small, homogenized group.
I will take your word regarding your group. Do you have numbers going back 10 years to provide some historical context?
January 15, 2014 at 1:44 pm
Ron says:
Like or Dislike:
0
0
FFA,
I originally interpreted that as a larger study, not one agent’s book of business. My bad.
Being a numbers person, I prefer to rely on large sample sizes regarding studies. It eliminates outliers or factors that may be impacting a small, homogenized group.
I will take your word regarding your group. Do you have numbers going back 10 years to provide some historical context?
January 15, 2014 at 2:02 pm
FFA says:
Like or Dislike:
0
0
I do. But I am not taking the time to analyze. as I have stated in the past, I can not worry about history, I need to worry about my future. In the middle of Tele Marketing a 352 name & number list. Got another list of 161 that needs to be called as well as a list of over 600 to send in for a company program that is co-oped…
Going back to the basics. Bread & Butter here is P&C. Should have never got involved in OFnBama and his PPPACA. I should have know he was just out to screw agents.
January 15, 2014 at 2:31 pm
Ron says:
Like or Dislike:
0
0
FFA,
Fair enough. I always like to put things into historical context when possible. As the Politifact article stated, health insurance premiums were actually increasing at a higher rate prior to President Obama than since he was elected. As I have said before, I do not like the PPACA, but I am more upset that the Republicans did not address this issue when they had power from 2003-07. I honestly believe that had their ideas had been implemented, there would not have been an appetite from the voters for additional health care reform.
January 15, 2014 at 2:56 pm
FFA says:
Like or Dislike:
0
0
Ron, off the top of my head, my premiums in 2008 were under $700. My Cobra premium when it expire was $820 in 2011. Then my premium jumped to over $1200, then $1400 and then for 2014, over $1600. My Cobra Ded was $1000. When I had to jump off Cobra, Ded went to $5000. That happens to be when my wife kicked it into high gear with the med bills. My Tax figure on the OOP Medical is about $11000 with over $5000 still sitting here to be paid.
I would have rather had the income over the years…
January 15, 2014 at 3:26 pm
Libby says:
Like or Dislike:
0
0
FFA – in all fairness, you are comparing large group rates (2008 and COBRA) to an individual plan. That’s apples and oranges.
January 15, 2014 at 3:31 pm
FFA says:
Like or Dislike:
0
0
Libby, I did not try and hide that.
January 15, 2014 at 3:47 pm
Libby says:
Like or Dislike:
0
0
I know you didn’t, but it’s still apples and oranges.
January 15, 2014 at 4:43 pm
FFA says:
Like or Dislike:
0
0
Yes Libby. You are stating the obvious.
January 15, 2014 at 4:46 pm
Libby says:
Like or Dislike:
0
0
Party on FFA.
January 15, 2014 at 4:50 pm
FFA says:
Like or Dislike:
0
0
When I have time, you bet ya! About ready for another trip up north. Who need running water any ways!
January 15, 2014 at 5:40 pm
FFA says:
Like or Dislike:
0
0
Libby, you have no idea how much you sound like my wife. First, she loved OBama until she started to realize the impact his bs decisions are effecting us directly (loss of income) as well as the additional hours I have to work as a result of not being able to afford proper staff.
The she wants to argue on points we both agree on…. I usually brush it off as Roid Rage.
January 16, 2014 at 8:42 am
Libby says:
Like or Dislike:
0
0
I don’t know if that’s a good thing or a bad thing that I sound like your wife! LOL!
January 16, 2014 at 10:16 am
FFA says:
Like or Dislike:
0
0
Well Libby, its just biz as usual…
January 15, 2014 at 8:59 am
Libby says:
Like or Dislike:
0
0
Well, as long as it’s based on a review of your book of business then it has to be true. LOL!
No Pain Surgery, just more roid shots. Had a Cortisone injection in the knee that got messed up in the accident. Looks like that will be the course of treatment until she is eligible for the replacement….
“It’s kind of logical that people who are sick would be more likely to sign up right at the beginning.”
Yes, but tell that to the party who voted over 40 times to repeal the law, knowing very well it wouldn’t be repealed. So, not exactly a party who employs logic.
Health insurance so good it’s mandatory.
Logic says you cant get enough premium and fines (taxes) from young healthy people to pay the cost associated with older people and preexisting conditions. So, not exactly a party who employs logic.
80% that signed up are getting subsidies. You middle class folk are getting bent over again.
Well Jack, they have ads for the Millenial sitting around in his jammies drinking hot chocolate thinking about applying, the Gay boys dancing around in their underwear singing its praises for AIDS treatment, who will be next, the online text message kids who haven’t looked up from their phone in a couple of years? Pretty hard to get their attention unless you give them a free app. Oops! The premium is too high, bye, bye.
What middle class? Okay, there is a little bit of it left but 30+ years of Reaganomics has ruined it. Maybe in 10 more years, it will be gone all together if we don’t start correcting that huge toilet browning of an economic policy now.
Cap Planet- not sure where you live? But here in po-duck ville SC I see the middle class driving bmw,lexus,cadi,rover,and the 40k ford trucks all over the place. 4-5 apple phones in the households, 2 ipads and the kids with $300 bikes. The middle class is all over the place. Now I know they have taken a hit the last 5 years and the top 1% is killing it based on wall street, but its still there. Trust me, I’m writing their insurance.
Jack,
You must live near that really nice and new BMW assembly plant that believe is non union? Good Jobs, well paying, non union and good benefits. The Middle class would be alive and well there. The same for the Mercedes Benz plant in Huntsville Alabama, the Toyota Plant in Georgetown Kentucky, The new Wonder plant in Texas etc.
That’s the upper middle class. Middle class is disappearing before our eyes. Perhaps not the intetion of Reaganomics, but certainly the result. Check out what the wealth gap has done over the last 30 years – you can’t dispute the evidence.
Not necessarily Captain. They are assembly line workers, electricians, pipe fitters. Ancillary businesses in town. They are good middle class jobs.
According to the recent Cato Institute study (on the news tonight) if you want to be a part of the middle class then: 1. Get an education even if you have dropped out, go back and start with your GED. 2. If you are a female, don’t get pregnant and be a single mother and 3. Get a job even if it is a low paying job. It is a start and shows other employers you have initiative that will lead to better jobs.
I think that is better than providing and perpetuating welfare, Medicaid, HUD subsidy, food stamps, ADC, WIC, free Obamaphone etc, etc, etc
I don’t think anyone in their right mind would disagree with that strategy Sarge.
Why !?!?!?
Why sign up for something that I don’t need now and may not need until 15 years from now. 12months x 15years x $300 Monthly Premiums ..(LOW END) = $54,000 down the DRAIN.
Also, I forgot to mention if a young person does get sick … yes they will take the initial hickie, but can’t they just sign up for healthcare the next month … no pre-existing and guaranteed issue … allows me the right to do that …
Besides there is no penalty other than the 1% of my income to do that …
No, they can’t just wait until the next month to sign up. Please familiarize yourself with the law. They have to wait until the next annual enrollment period.
So to answer your question, they would sign up for free preventative care, catastrophies, and other illnesses throughout their lives. I rarely go to the doctor myself but I pay my premium for those very reasons. Most young people I know want to be covered. I’ve even helped a few of them with the process during my free time. They were happy to pay the premium necessary to have coverage. They also thought the process was pretty easy. Win and win.
Captain America,
You need to familiarize yourself with the LAW.
You are referring to your O so distinguished EXCHANGED or MARKETPLACE.
The Private marketplace will continue to offer coverage anytime during the year, without an OPEN ENROLLMENT PERIOD, such as that of GROUP INSURANCE PLANS.
Wait, that is until there is no PRIVATE INSURANCE plans out there, because of people taking advantage of the system and how it has been written. From there on out it will only be the Marketplace/Exchanges you will be able to buy insurance through. IN lieu of Group policies …
Don’t let me forget to mention this is how SOCIALZED medicine happens …
I did forget to mention that the only effective date that you can currently get on an individual health policy would be the 1st of the next month …
And that the health companies require you to have an application in by at least 15 days before your effective date.
For Example:
If someone got hurt on the 19th of January, they would not be able to get coverage put in place until the 1st of March.
Most of their bills would be charged to them in a Major Emergency, but you can believe that the old cancers and other diseases will still be lingering in 45 days.
Morale of the story : If you get hurt … do it at least 15 days out from the 1st of the next month …
“Wait, that is until there is no PRIVATE INSURANCE plans out there, because of people taking advantage of the system and how it has been written.”
YOU need to familiarize yourself with the LAW, Agent! Private Insurance carriers are the very ones providing coverage through the exchange. Nothing socialized about it.
Currently there are more health options outside of the exchange than that which is in the exchange.
In certain areas, (MANY AREAS) BCBS is the only company that is operating in the exchange.
Sure you could sign up for another plan, but you would be driving 4 hours to see an in-network provider.
Agent B is correct. We only put people through the Exchange if they are eligible for a subsidy. Otherwise it is more beneficial to them to go direct to a carrier.
I think my ap count is about 15 now. All adverse Selection. Only two under 30. All with Health Problems…
So Cap, explain the logic of how this is going to work. Leave the Smart Young invincible people that can do the math out of the mix.
They are just too smart to buy into this. They can always claim Bankruptcy and pay a $100 fine as I have already been told on Main St USA..
FFA, did you notice they moved the goal posts once again? When they announced the numbers for the sign up, suddenly the age range changed from 18-34 to 18-38 as representing the young invincibles. I kind of think their numbers weren’t so hot so they had to raise the age. By the end of March, it will probably be up to age 45 as Invincibles.
Agent, Give me any statement and I’ll find facts to back it up.
As Libby has stated previously, it is a living breathing law that will change when ever he feels like it should to meet his agenda.
Did you catch the news that a Chicago politician (I think his name is Medrano) just got released from jail in the Silver Scoop scandal but is headed right back in for campaign fund misuse.
These folks just think they can do anything they want. Sound familiar on a national level?
The Smart Young Invincibles are using the exchange, FFA, and not a Main St. agent. They’re from another generation. 30% of all that have signed up are under 35. Way up from the predictions of Agent and Sarge.
The smart young invincible that I encounter don’t have the patents to work through all the issues with the web site. When they see $250 Co Pay after deductible, they don’t understand that they pay the Ded and then a $250 co Pay on top of that.
They don’t know to check the Docs in Network. Blue Choice is a lot different network then is Blue Cross PPO. They don’t know that there are doc Record Trans fees.
The ones dumb enough to just jump on the web and shop a cheap price are the ones that are getting royally screwed. This because they don’t use a Main St Agent.
BTW, as of yesterday, only Blue Cross and Land of Lincoln (a start up) and Aetna were the only ones offering coverage on the exchange. No Humana Quotes. No Assurant. None of the regionals.
Libby, my point was they are not smart enough to know what they are getting themselves into.
I didn’t say the SHOULDN’T use a Main St. agent, FFA. Just that that’s not their style. As for docs, I don’t think many of them care, as they don’t go to a doc now anyway.
The female population in particular are very fussy about their lady parts docs. I am avoiding that problem. I check docs first and then put the eligible networks on the table.
I’m not an Obomanaite. I work for my money.
The young are no different than the older people, when they get to the part where they have to pick a plan – it’s — oh, oh, deductible? Out-of-pocket max? Co-pay? Co-ins? HMO?
PPO? EPO?
That’s when they come to us main street agents.
I am finding that out. People go on there, cant understand and walk in. Some of these people that are signing up on the exchange don’t have the full story.
Gal yesterday I got signed up was more concerned about keeping her doc then the premium.
I have had 4 walk in unannounced people since the 1st of the year.
People sure are dumb these days.
Are you talking about the Government being dumb? Regular folks are being asked to make decisions with very little pratical information or background. They are expected to make a purchasing decision based on a law created by people that know less than the people being asked to participate. This law has more holes than Swiss Cheese and I see regular people falling through them everyday and we have dealt with over 200 people since Oct. 1.
Yes, people are dumb. The fact that we don’t teach this in school is beyond me, along with how to write a check, balance a checkbook, make a budget, and do your taxes. Now you see why we need all those navigators to help people through the process.
Are you kidding me? Navigators. They know less then the dumb people you’re ragging on. That is more money poured down the ACA rat hole. Agents are trained, knowledgable, and ready to help. And we are less epxensive than the millions of $$$$$ being waisted on the navigators. It’s another sop to the FOO (friends of Obama).
Libby, the navigator is the one that signed up my prospect into a network the NONE OF HER DOCS were in. 5 total. Record Trans fees are at least $100.00 per depending on how thick the file is. It is the navigators that have no place in this mix.
It was the Navigator that screwed this person.
Well, whoda and FFA, get out there and help these poor, dumb people. And make a few bucks while you’re at it. What are you doing bellyaching about it on an IJ blog? It’s getting old.
Libby, I am out there helping people. I just got off the phone with another one dupped by a navigator. Put them in a plan that none of her doct are in.
In the mean time, City Zoning guy came in and told me I need to take my signs down… I have had numerous calls and a few walk ins and a few sales. Now I have to get a permit to keep my signs up…. What a crock of s#$@…
They voted in Obama but now are unwilling to help share in the cost of his signature program. Little information, compassionate with other people’s money and apparently very selfish – shame on the youth for not signing up and taking on more debt. They must have missed that buying in to Hope and Change really did mean “buying in” but with their own money.
O Bob, I am guessing they (young folks) defined affordable as defined by what they learned in school, not what OfnBama defines affordable as.
30% have bought in, Original. Of the other 70%, many may either have insurance through work or are on their parent’s policy. It’s not all doom and gloom, no matter how hard you want it to be.
Hey OBob, they voted for Hope & Change. They didn’t know or care what the consequences were. Do you think they would rather have an iphone or Health Insurance for $300-500 per month. I think it is an easy choice for most Millenials.
You mean a 25 y.o. man who has spent about $0 in his last 25 years on this earth doesn’t want to fork over around 3-$500 monthly to help the sick people out there that need insurance.
Wow, how shameful of this young person trying to save up for their first house, pay off their debtors(college), and start a family … (marriage, house, etc…)
What is this country coming too … O wait, they are penalizing him anyway.
Socialized medicine has been passed through legislation in AMERICA. +
You just described a responsible young person (paying off debt, buying a home, starting a family.) Any responsible person knows they must purchase health insurance, ESPECIALLY if they are buying a home and starting a family. It’s the price of admission.
Libby … lets all sit around all day and think about what people should do.
#1 Exercise … people should also eat healthy so they can live to the end of their 30 year note.
#2 Not have more children than they can afford
#3 Not get into Credit Card debt
#4 Get a 40 hour/ week job
#5 Not have unprotected sex as a high school student
#6 Should not teach their children to be like them … they should teach them to be better than them …regardless of the parent …
Shall I go on … Heck, lets just make these laws.
The world would be a better place and it would make every person happier … right ?
Well of course not. When you want to have a serious discussion, let me know.
I can make every argument for any number of things that is being made for the requirement of healthcare.
If you can’t honestly see this, then there is no reason for a serious discussion.
Yes, you can make any silly or inane argument you want. That doesn’t mean it will be taken seriously. I don’t necessarity agree with the individual mandate, but I think everyone should have access to health insurance.
Hey the subsidies worked so well with pre-firm flood insurance, maybe they will so the same for health insurance? LOL
Ouch … TOUCHÉ
Agent B- next is socialized flood. Every one must buy it or pay a fine-tax. What do you think?
Isn’t insurance in and of itself socialist? The dollars of many go to pay the claims of the few. That’s how it works and that’s how it’s always worked.
Libby- no insurance is the law of large numbers,risk pools, reserves and reinsurance.
Socialism is theft, is mandatory and fails. EVERY TIME
Its never been jack up the cost of one demographic expecting few claims to pay for another demographics high volume of claims.
I cant live long enough for Blue Cross to even break even on what my wife will be submitting. New Pain doc for her. Increased her meds…
Oh, man, FFA, sorry to hear your wife is doing poorly. My hubby’s back is a mess. Thankfully, he’s not on any every day pain meds. Good luck with the new doc & meds.
It’s actually GAMBLING … wagering of your premiums vs. your risk of a claim.
O and protection of assets ..
Agent B,
If you are truly an agent, you need to get educated or get out of the business. Do you tell your clients that they are gambling or protecting their financial assets?
Gambling is speculative risk where you have a chance to win or lose.
Insurance is for pure risk where an insured, in theory, cannot profit.
Thanks, JW. Since her accident, her meniscus is “seeping out from under her knee cap”. There is no “fix”. She is going to need a gel shot at regular intervals. When she is older, a knee replacement is in order.. This is a result of texting while driving. Still, she keeps plugging away keeping up her normal flow of activities. She can no longer get in the therapy pool that was a great help with the Fibromialga because of the knee thing.
She had to change pain docs because of the OBama Care (PPPACA) to avoid out of network charges. Yes, I have to pay the trans fee….
Its my life. I just keep plugging away. Govt intrusion into the insurance industry (Comp Reform & PPPACA) has hurt the quality of life. Working 6 days a week to replace what them aholes took from me… Looking like I am going to have to lay off another by end of the month… That’s Springfield and DC working for the people…
Well, effectively right now it is only those without enough money to pay cash for their properties.
Socialized Flood … has a nice ring to it …
*Drum Roll* *Drum Roll*
*Drum Roll*
*Drum Roll*
*Drum Roll*
Socialized States of America …
Sorry Libby, the smart young invincibles are NOT using the exchange. It is more like the ignorant, lazy momma’s kids who arise at noon and lay around on their parents insurance. Even them when they get the bill, they don’t sign up unless the subsidy makes it almost free. What a country.
If all of those people were signing up, The liar in charge would be publishing the stats. He is and they aren’t signing up
30% have signed up and the goal was 40% I’d say that’s progress, but I’m sure you wouldn’t.
Oh come on Libby, 30% of what goal? They have not hit a forecast or “goal” since they started this tu*d. Just this evening CNN said that 79% of those who signed up we’re Medicaid and that 80% had subsidies. That is far from what the liar in charge and his band of idiots sold the American people. I find it interesting that when liberals need to make something look good they just change the numbers to something they like.
Click on the link below. Here is an Obama supporter who admits to abusing the welfare system and is pleased to do it. This is a live interview. Unbelieveable.
WELFARE ABUSE: 32 years old Austin, TX welfare recipient says working is stupid. – Safeshare.TV
Link would not work. Let’s try again.
http://safeshare.tv/w/csrqsTAmSx
Oh, come on, Sarge. You can’t recognize a troll when you see one?
And before you go jumping up and down and calling me a liar for not having sound on my work computer, I googled it and got the information:
http://thetopix.com/A-welfare-recipient-called-in-to-a-radio-show-in-Austin-Texas-topic-10200190255157676
Well Libby for someone who has stated that they do not watch videos and has no sound on their computer, how would you even know what the link said or how to respond?
I could see the video, just couldn’t hear it. It wasn’t hard to google it from what I saw. You just can’t accept that I’m not a liar, can you?
You could see the video? Click on the video. You will find out that there are no typed or text on the link. It is a radio broadcast, so there was nothing to read, only hear. So again, tell me how you could hear a copy of a radio broadcast without any sound? So it looks like you were either lying on the last blog or you are lying now.
Click on your own f’ing link, dumbass. It has the date of the broadcast, the radio station, and it says “32 year old welfare recipient thinks working is stupid.” It wasn’t hard to google from that. I don’t know why you are so fixated on trying to catch me in a lie. I’ve told you a million times, I’m not a liar.
One thing is for sure, for now anyways, its the law of the land. It is up to Agents across the land to do what is right given the current circumstances by our clients.
I am sure Obama will figure out some other way to screw us agents when people decided its best to use an agent.
I am still waiting n the day when he gets to sit on the stand and tell us what he did / did not know about Blago, Levine rezco – you know – his old pals… His pal JR being the one that wanted to buy the seat…. Wonder if Jr consulted with Obama on that matter…
FACT,
Since the PPACA was announced in 2011; health premiums in the individual and group market have gone up more than they have in the past 10 years; IN TWO YEARS.
And yes … this is a fact from an existing book of business study.
That’s affordable as defined by OBama…
Agent B,
Since you like facts so much, I found this on Politifact:
“The RNC said ‘the average family premium has increased by 29% under Obama!’ The leading study confirms that rise, which occurred over the course of five years. If you calculate the increases on an annual basis, premiums have risen by about 5.8 percent a year under Obama, which is less than half of the average annual rise during the nine years before Obama took office.”
Here is the complete article.
http://www.politifact.com/truth-o-meter/statements/2013/sep/04/republican-national-committee-republican/republican-national-committee-says-health-insuranc/
All I can tell you is what the information says that is directly in front of me.
I no longer believe in any other source of information except the tangible evidence that lays in front of me.
Apologies, for not believing one of you here or any studies done outside of my sight.
Are you an actuary?
Agent B,
May we see the study to which you are referring?
Ron, it appears to me that this is what is happening to his clients.
My group went up 18.53%%% 2013 vs 2014. Provide any contact you want and I will show you the document. Providing this contact info was against advice of the IJ.
FFA,
I originally interpreted that as a larger study, not one agent’s book of business. My bad.
Being a numbers person, I prefer to rely one large sample sizes regarding studies. It eliminates outliers or factors that may be impacting a small, homogenized group.
I will take your word regarding your group. Do you have numbers going back 10 years to provide some historical context?
FFA,
I originally interpreted that as a larger study, not one agent’s book of business. My bad.
Being a numbers person, I prefer to rely on large sample sizes regarding studies. It eliminates outliers or factors that may be impacting a small, homogenized group.
I will take your word regarding your group. Do you have numbers going back 10 years to provide some historical context?
I do. But I am not taking the time to analyze. as I have stated in the past, I can not worry about history, I need to worry about my future. In the middle of Tele Marketing a 352 name & number list. Got another list of 161 that needs to be called as well as a list of over 600 to send in for a company program that is co-oped…
Going back to the basics. Bread & Butter here is P&C. Should have never got involved in OFnBama and his PPPACA. I should have know he was just out to screw agents.
FFA,
Fair enough. I always like to put things into historical context when possible. As the Politifact article stated, health insurance premiums were actually increasing at a higher rate prior to President Obama than since he was elected. As I have said before, I do not like the PPACA, but I am more upset that the Republicans did not address this issue when they had power from 2003-07. I honestly believe that had their ideas had been implemented, there would not have been an appetite from the voters for additional health care reform.
Ron, off the top of my head, my premiums in 2008 were under $700. My Cobra premium when it expire was $820 in 2011. Then my premium jumped to over $1200, then $1400 and then for 2014, over $1600. My Cobra Ded was $1000. When I had to jump off Cobra, Ded went to $5000. That happens to be when my wife kicked it into high gear with the med bills. My Tax figure on the OOP Medical is about $11000 with over $5000 still sitting here to be paid.
I would have rather had the income over the years…
FFA – in all fairness, you are comparing large group rates (2008 and COBRA) to an individual plan. That’s apples and oranges.
Libby, I did not try and hide that.
I know you didn’t, but it’s still apples and oranges.
Yes Libby. You are stating the obvious.
Party on FFA.
When I have time, you bet ya! About ready for another trip up north. Who need running water any ways!
Libby, you have no idea how much you sound like my wife. First, she loved OBama until she started to realize the impact his bs decisions are effecting us directly (loss of income) as well as the additional hours I have to work as a result of not being able to afford proper staff.
The she wants to argue on points we both agree on…. I usually brush it off as Roid Rage.
I don’t know if that’s a good thing or a bad thing that I sound like your wife! LOL!
Well Libby, its just biz as usual…
Well, as long as it’s based on a review of your book of business then it has to be true. LOL!
http://chicksontheright.com/posts/item/25251-oh-snap-jimmy-kimmel-just-shredded-obamacare-and-the-young-morons-who-blindly-supported-it
Jimmy K nails it!
That’s a good one Always… Imaging if we didn’t spend all that money on penis pumps how much more we could give to Syria..
I know, right? How is your wife doing? Did she have the pain stimulator surgery yet?
No Pain Surgery, just more roid shots. Had a Cortisone injection in the knee that got messed up in the accident. Looks like that will be the course of treatment until she is eligible for the replacement….
No,
I will not be providing information on my book of business.
I will give you that it was on approximately 1000 policies and the business was 60% BCBS, 30% Aetna, and 10% HumanaOne and UHC.