TRANSPARENCY in Health Care (83)
jvaski: Here's a fine example of what Republicans want to enhance with Health Care Insurance.
When my Health Insurance increased again this year 30% - I decided to file a complaint with the State Insurance Commissioner and demand they ( the insurance company ) show exactly where the cost went up that much ........
Their answer:
Thank you for your request for assistance.
The insurance laws of Calif expressly prohibit the Insurance Commissioner from establishing or regulating rates for Health Insurance. It is the position of the Department of Insurance that insurance company trade secret, proprietary and confidential material are not subject to public access.
I also filed a complaint with my health Insurance Company.
Their Amswer:
This in response to your concerns regarding increases to your premiums. Please be advised that the policy rate determinations are consistent with sound and established actuarial principles. Our actuarial statistics are proprietary and confidential and therefore are not available for public access.
Guess what people ? This is what non-regulation and free-enterprise" does for all of us ! We get state regulatory agencies working together with huge coporations to screw us outta every dime they can.
We can now be pretty much guaranteed we'll again see another ten years of 30% + health insurance premium increases !
And some of you screamed out loud about Obama's Transparency ?
When my Health Insurance increased again this year 30% - I decided to file a complaint with the State Insurance Commissioner and demand they ( the insurance company ) show exactly where the cost went up that much ........
Their answer:
Thank you for your request for assistance.
The insurance laws of Calif expressly prohibit the Insurance Commissioner from establishing or regulating rates for Health Insurance. It is the position of the Department of Insurance that insurance company trade secret, proprietary and confidential material are not subject to public access.
I also filed a complaint with my health Insurance Company.
Their Amswer:
This in response to your concerns regarding increases to your premiums. Please be advised that the policy rate determinations are consistent with sound and established actuarial principles. Our actuarial statistics are proprietary and confidential and therefore are not available for public access.
Guess what people ? This is what non-regulation and free-enterprise" does for all of us ! We get state regulatory agencies working together with huge coporations to screw us outta every dime they can.
We can now be pretty much guaranteed we'll again see another ten years of 30% + health insurance premium increases !
And some of you screamed out loud about Obama's Transparency ?
Take it from someone that worked in the private medical insurance company (one of the largest in the US), even if a "group" or individual policy holder had a healthy year and only used the insurance for routine medical check ups, the occasional cold or flu and had no catastrophic incidents or major illnesses, that policy was going to go up no matter what.
I was shocked when I was formatting renewal packages and requoting a yearly rate to see that even if the insured person's claims were minimal to almost nothing, the rate went up by at LEAST 8% and this was justified as being considered "administrative costs." Now, mind you I can't fathom nor explain what 'administrative costs' might be in relation to, but this was an extra fee tacked onto the costs of renewing a yearly policy.
I left the insurance company after becoming disenchanted with the whole industry and choose to go into a profession on the opposite side of the spectrum and though I do not work in the field i hold my degree, I would still rather take care of people on the care giving side than to ever step foot inside another lecherous insurance company ever again.
All I can say is you might as well use your insurance when you need it and how you need it and don't think sticking out a cold or injury at home and not going to the dr's is going to raise your insurance costs, because it's going to rise anyway even if you are healthy as a horse.
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jvaski: That's true as well.........how often do we hear someone say "I don't care how much the hospital costs - my insurance covers it"
Yes, and the hospital charges $5 for that little tiny box of tissue whether you use it or not. The actual hospital charges, etc are what is costing so much. If, for instance, if the first IV doesn't work, they get another one that does, but you will be charged for both, period. And this is anything, a tylenol, just two will cost what a whole bottle cost. I wish, they let us bring our own stuff and lower the prices.
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Retirees getting screwed by my company. We will have to pick up the entire cost of our health insurance. The subsidy they provided is gone. The free life insurance policy they gave us will vanish too. 
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Freddy..Oh we know it ain't the best it can be or should be, we have bureaucratic problems too, long waits as well...but zero bankrupt people, no bills to pay, no over the top insurance policies....I know which I'd prefer mate and I am willing to bet 60% of the USA would too..if not more
Steve5721: JS..IF I went to a Doctor and it was prescribed to me, I would pay $10 or less. We don't mpay for the cost of the pills ets, we just pay for the prescription, regardless of the cost of the medicine.
the way it should be------ This thread is Archived ------
Steve5721: Wasn't really on about the Obamacare because I believe there are still insurance costs? Not really gone into it too much.
What I am saying is that I feel that 60% of Americans would like to have the UK sort of system, where you pay NOTHING to be seen by a Doctor, NOTHING for a broken leg to be fixed....NOTHING to have a breast scan etc etc...that is my point me old mate.
What I am saying is that I feel that 60% of Americans would like to have the UK sort of system, where you pay NOTHING to be seen by a Doctor, NOTHING for a broken leg to be fixed....NOTHING to have a breast scan etc etc...that is my point me old mate.
Okay, I gotcha...
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JSuburbia: the way it should be
The way it could be if you all wanted it...but you have too many in the pockets of the insurance companies and pharmaceutical companies.
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jvaski: Here's a fine example of what Republicans want to enhance with Health Care Insurance.
When my Health Insurance increased again this year 30% - I decided to file a complaint with the State Insurance Commissioner and demand they ( the insurance company ) show exactly where the cost went up that much ........
Their answer:
Thank you for your request for assistance.
The insurance laws of Calif expressly prohibit the Insurance Commissioner from establishing or regulating rates for Health Insurance. It is the position of the Department of Insurance that insurance company trade secret, proprietary and confidential material are not subject to public access.
I also filed a complaint with my health Insurance Company.
Their Amswer:
This in response to your concerns regarding increases to your premiums. Please be advised that the policy rate determinations are consistent with sound and established actuarial principles. Our actuarial statistics are proprietary and confidential and therefore are not available for public access.
Guess what people ? This is what non-regulation and free-enterprise" does for all of us ! We get state regulatory agencies working together with huge coporations to screw us outta every dime they can.
We can now be pretty much guaranteed we'll again see another ten years of 30% + health insurance premium increases !
And some of you screamed out loud about Obama's Transparency ?
When my Health Insurance increased again this year 30% - I decided to file a complaint with the State Insurance Commissioner and demand they ( the insurance company ) show exactly where the cost went up that much ........
Their answer:
Thank you for your request for assistance.
The insurance laws of Calif expressly prohibit the Insurance Commissioner from establishing or regulating rates for Health Insurance. It is the position of the Department of Insurance that insurance company trade secret, proprietary and confidential material are not subject to public access.
I also filed a complaint with my health Insurance Company.
Their Amswer:
This in response to your concerns regarding increases to your premiums. Please be advised that the policy rate determinations are consistent with sound and established actuarial principles. Our actuarial statistics are proprietary and confidential and therefore are not available for public access.
Guess what people ? This is what non-regulation and free-enterprise" does for all of us ! We get state regulatory agencies working together with huge coporations to screw us outta every dime they can.
We can now be pretty much guaranteed we'll again see another ten years of 30% + health insurance premium increases !
And some of you screamed out loud about Obama's Transparency ?
We,... England had the finest healthcare in the world ....once,..before a lot of people abused our system. I would hope that your president could come up with at least ONE good idea for your health in the USA. Seems to me too many polititions around the world really dont deliver what they say they are goung to!!! Dont think he's the man for the job sadly Jvaski
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Steve5721: Freddy..Oh we know it ain't the best it can be or should be, we have bureaucratic problems too, long waits as well...but zero bankrupt people, no bills to pay, no over the top insurance policies....I know which I'd prefer mate and I am willing to bet 60% of the USA would too..if not more!
much better than what we got------ This thread is Archived ------
Steve5721: Wasn't really on about the Obamacare because I believe there are still insurance costs? Not really gone into it too much.
What I am saying is that I feel that 60% of Americans would like to have the UK sort of system, where you pay NOTHING to be seen by a Doctor, NOTHING for a broken leg to be fixed....NOTHING to have a breast scan etc etc...that is my point me old mate.
What I am saying is that I feel that 60% of Americans would like to have the UK sort of system, where you pay NOTHING to be seen by a Doctor, NOTHING for a broken leg to be fixed....NOTHING to have a breast scan etc etc...that is my point me old mate.
Yes, but we have the wait Steve,... where they dont, seems money will always have a big mouth!
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englishelegance: Yes, but we have the wait Steve,... where they dont, seems money will always have a big mouth!
True...we can always take out private health insurance and 'jump' queues!!
However, I would rather wait than pay $24,000 for 17 stitches in my left hand...the insurance company picked up $17,000, I had to pay $7000! Okay, there was the cost of an ambulance, a anesthetist and some pills and what ever....just a point on how easy is it to run up a medical bill!
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Steve5721: True...we can always take out private health insurance and 'jump' queues!!
However, I would rather wait than pay $24,000 for 17 stitches in my left hand...the insurance company picked up $17,000, I had to pay $7000! Okay, there was the cost of an ambulance, a anesthetist and some pills and what ever....just a point on how easy is it to run up a medical bill!
However, I would rather wait than pay $24,000 for 17 stitches in my left hand...the insurance company picked up $17,000, I had to pay $7000! Okay, there was the cost of an ambulance, a anesthetist and some pills and what ever....just a point on how easy is it to run up a medical bill!
And that sadly is whats so wrong with theirs, and many healthcare systems around the world.
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englishelegance: And that sadly is whats so wrong with theirs, and many healthcare systems around the world.
Yup..but when someone has the balls to come up with other ideas...out come the knives! 47 million or something like that have no insurance cover...scary!
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Well, for starters, j, you live in California. That's a different planet than the rest of us live on.
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texasgirl8585: Well, for starters, j, you live in California. That's a different planet than the rest of us live on.
Isnt that the "Beautiful People" state, a lot of plastic sugeons are wealthy there yes???
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englishelegance: Isnt that the "Beautiful People" state, a lot of plastic sugeons are wealthy there yes???
Surgeons....sorry
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in New Zealand, we have DHB District Health boards, which is partly government funded, the only way to get complete healthcare without paying huge astronomical medical bills its to work in a company that subsidies.
With mine I pay $12.00 a fortnight and that completely covers me for any medical bills private care the whole scene.
If you are one the very lower socio economic survivors, the government will subsidise you so much more.
What gets me is the the middle class have no safety net, except if they take private insurance. With huge payments.
With all the closures within DHBs in New Zealand now they are just privatising, we know that, but they are closing down, are we following the rest of the world.
Yes....
New Zealand was once the forerunner of the best health and education within the western world,(many years ago) sadly that is not the case now, seems to be...
You are best looked after here, when you strive for nothing and bludge off the government, that there beholds a safety net.
SS
With mine I pay $12.00 a fortnight and that completely covers me for any medical bills private care the whole scene.
If you are one the very lower socio economic survivors, the government will subsidise you so much more.
What gets me is the the middle class have no safety net, except if they take private insurance. With huge payments.
With all the closures within DHBs in New Zealand now they are just privatising, we know that, but they are closing down, are we following the rest of the world.
Yes....
New Zealand was once the forerunner of the best health and education within the western world,(many years ago) sadly that is not the case now, seems to be...
You are best looked after here, when you strive for nothing and bludge off the government, that there beholds a safety net.
SS
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outdoorgirlsun: Yes, and the hospital charges $5 for that little tiny box of tissue whether you use it or not. The actual hospital charges, etc are what is costing so much. If, for instance, if the first IV doesn't work, they get another one that does, but you will be charged for both, period. And this is anything, a tylenol, just two will cost what a whole bottle cost. I wish, they let us bring our own stuff and lower the prices.
Let's look at that one closely. If the Insurance companies actually gave a damn and carefull negotiated contracts with those hospitals - we'de save a ton of money.
BUT THEY DON'T ! They could care less about costs - and simply pass all those rip-offs to you and I in the form of premium increases....
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jvaski: Let's look at that one closely. If the Insurance companies actually gave a damn and carefull negotiated contracts with those hospitals - we'de save a ton of money.
BUT THEY DON'T ! They could care less about costs - and simply pass all those rip-offs to you and I in the form of premium increases....
BUT THEY DON'T ! They could care less about costs - and simply pass all those rip-offs to you and I in the form of premium increases....
Sounds like you're expecting the insurance companies to manage hospitals. That makes no sense? Why not have the govt to put price controls on the medical industry. That could be interesting.
(that'll happen when I sh-t 24 ct. gold.)
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62% of bankruptcies stem from medical bills....
Travel companies organize coach trips for the aged to Canada to get cheaper medicines....
Your health insurers yield too much (monetary) power (bribes) and that is why, and I am being blunt here, your health system is the laughing stock of the developed world.
Such a super power, but your healthcare bankrupts people, you pay exorbitant costs for medicines. Shameful really.
Now Steve... on a regular basis we hear about how bad the services are in G.B.
I'm not going to post a bunch of stuff as it proves little.