[SeMissourian.com] Fair ~ 43°F  
River stage: 15.52 ft. Rising
Thursday, Dec. 25, 2014

Speak Out 3/25/10

Thursday, March 25, 2010

Insurance business

PRESIDENT Obama has made the insurance industry his whipping boy of the health care debate. He has vilified the insurance industry repeatedly as evil and greedy, and his health care plan is designed to show the insurance industry who is boss. However, it seems to have escaped notice that he is going to send 30 million new customers to the insurance companies with a law that says they must purchase insurance. I'll bet that really disappoints the evil insurance industry.

Doctors lost

FOR as long as anybody can remember, doctors and lawyers have been competing. Today the lawyers won a major battle. With passage of the health care bill, doctors will be paid a little less and lawyers will be paid a little more. I don't know the details, and neither will anyone else for a few months. But the doctors just lost.

Losing our money

CASINOS do not create wealth. They remove it from a community. For every dollar spent at the proposed casino, 75 cents of wealth will leave the Cape Girardeau area. Some say the casino will bring in tax money to the city that can be used for this or for that. That casino tax money is a small portion of the money that was harvested from the people of Cape Girardeau who will lose money at the betting tables. All the casino will do is to take our money and then try to make us feel good by give a small portion to the city.

On the Constitution

IN response to the letter "Tactics are part of larger agenda": It will be difficult to improve conditions in this country so long as everyone is so intent on being right that context and truth become secondary considerations. Whatever his faults may be, to tar the president as flawed and essentially a socialist or unpatriotic because he states the Constitution is flawed is not very thoughtful or true. His comments related to the treatment of slavery in our founding documents. While the treatment of the slavery issue was practical for the political reality of the times, even Jefferson recognized the flaw in owning other human beings. I would have to agree with then-senator Obama's observation that the Constitution was flawed, and that flaw was corrected in amendments enacted after the Civil War. How does Obama's statement relating to that particular aspect of our Constitution make him a socialist or unpatriotic?


Fact Check
See inaccurate information in this story?


Comments
Note: The nature of the Internet makes it impractical for our staff to review every comment. If you feel that a comment is offensive, please Login or Create an account first, and then you will be able to flag a comment as objectionable. Please also note that those who post comments on semissourian.com may do so using a screen name, which may or may not reflect a website user's actual name. Readers should be careful not to assign comments to real people who may have names similar to screen names. Refrain from obscenity in your comments, and to keep discussions civil, don't say anything in a way your grandmother would be ashamed to read.

Doctors lost --- everyone loses on a deal that tries to force everyone to be "equal" .....

-- Posted by ..Rick on Thu, Mar 25, 2010, at 4:44 AM

For the uninformed, the mandates of the bill will eliminate private insurance business. The government mandates they pay 65% of premium revenues in claims with 35% for operating costs. Now, they will be required to pay out 80% of premium revenue in claims. Simple economics is they will have to increase premiums to sustain operating costs. Or they can reduce staff and slow down claim processing so it takes longer for providers to get paid. Just like Medicare that by the way rejects a higher percentage of claims than any private insurer.

-- Posted by jadip4me on Thu, Mar 25, 2010, at 8:22 AM

As for Obama's disrespect for America and its Constitution, he has stated plain and simple he wants to "spread the wealth" and believes in the Marx's statement of "to each according to his needs from each according to his abilities". America has not been the "land of opportunity" just to provide to others but to enable you to create your own wealth and live in freedom. You don't see France, Mexico, Afganistan or Iran having an immigration problem! Obama has stated that government is the solution when government is the problem. If you agree with that, you, too, are a socialist and unpatriotic.

-- Posted by jadip4me on Thu, Mar 25, 2010, at 8:34 AM

There could be a strategy here. force the insurance companies to raise rates......further vilify them, and convince themselves (Comrade Obama and Comrades in Congress) that the public option is more necessary than ever and amend the health care bill to include the public option. I believe this is their plan and they secretly agreed to do that to gain the far left congressional support.

-- Posted by Balmy on Thu, Mar 25, 2010, at 8:48 AM

What is frustrating about this bill is it does nothing to fix the problems.

Healthcare got out of control because the costs became so outragous, people were going bankrupt over illness despite have good policies.

So how does this bill reduce costs? It doesn't.

The problem with healthcare costs are at all levels. Doctors, hospital administrators, insurance companies, medical devise companies, drug companies, etc. Then they make the billing impossible to understand so you have no idea what you are being charged for. They all take a much larger cut than what they need. This is what needs to be explored and studied.

Think about it. They charge $10 for a tylenol. What is that? A 20,000% mark up? What do you think they do on medical devices?

The medical devices and drug companies are a joke as well. They get special exemptions on patten laws and bribe doctors to only use their products.

Isurance companies are no better either. Has anybody ever tried to call an insurance company over a denied claim, explantion or billing issue?

-- Posted by lumbrgfktr on Thu, Mar 25, 2010, at 9:20 AM

Losing our money

By the logic of this topic money spent on alcohol or drugs or cigarettes is the exact same thing. A casino should be viewed as nothing more than entertainment. Will some people lose their shirts...possibly. I suppose I would rather they lose their shirts in Cape Girardeau rather than Tunica or Vegas.

-- Posted by shortwhitebaldguy on Thu, Mar 25, 2010, at 9:22 AM

-- Posted by Have_Wheels_Will_Travel on Thu, Mar 25, 2010, at 9:13 AM

Actually, nobody is ever convicted because of the "Webster's" dictionary.

This might be better.

http://codes.lp.findlaw.com/uscode/18/I/...

But you are using a very loose definition and you do make a good point. Not sure you can say they really benefit directly, but you can also use this interpretation for special interest groups and political contributors.

So where do you draw the line?

Is the NRA guilty of bribing?

Technically, are you guilty of bribing for donating to a party or official?

What about the republicans who are trying to stop the bill. Do you not think they are earning some serious political capital right now?

-- Posted by lumbrgfktr on Thu, Mar 25, 2010, at 9:28 AM

lumbrgfktr

i've come to believe this was an Insurance bill...not a HealthCare bill because it really does nothing to control the cost of health care...it only covers the insurance part ...

a cotton ball is almost $20 at a doctor's office..

bandaids run from $15 to $100 , depending on the size..

..i gotta wonder why...

-- Posted by ..Rick on Thu, Mar 25, 2010, at 9:46 AM

The healthcare bill only benefits those who are too irresponsible to have their own insurance, and frankly, I'm tired of my money being taken from me and given to those who choose not to be self-supporting. If I have to pay for my neighbor's food, housing, child care, and medical care, then why the hell isn't my neighbor mowing my lawn, wahing my car, and doing my laundry!

-- Posted by CapeRN on Thu, Mar 25, 2010, at 10:21 AM

what's wrong with having a payroll deduction option for those who want to participate in the gov. program ?

-- Posted by ..Rick on Thu, Mar 25, 2010, at 11:21 AM

I'm also tired of all the blame being placed on medical. No one bothers to police lawyers that get 1/3 of a settlement for their clients and THEN expenses. No wonder malpractice insurance is so high. Millions of dollars for 'pain and suffering' just because juries believe 'the insurance company is paying for it??' No wonder John Edwards could afford a $500 haircut when he was running.

-- Posted by LiveAnotherDay on Thu, Mar 25, 2010, at 11:43 AM

Wow, you all still complaining about the health care bill. Wheels ask me 2 days ago why should he have to help pay my bills. The question should be "why are the medical and insurance bills so expensive". That's what brought on the passage in the first place. They got a bit out of control, don't you think?

Again, you lost. Get over it.

-- Posted by grandma73 on Thu, Mar 25, 2010, at 12:06 PM

Yeah, that's why it's so expensive. Keep telling yourself that. Show exactly how smart you are.

-- Posted by grandma73 on Thu, Mar 25, 2010, at 1:32 PM

WHEELS IS THE SAME BRILLIANT THINKER THAT HAD NOTHING TO OFFER THE LAST TEN YEARS BUT CRITICISM....THERE'S MILLIONS OF THEM ON THE SIDELINES THAT WANT TO CALL THE PLAYS ON SUNDAY BUT ARE TOO LAZY TO SHOW UP FOR PRACTICE MONDAY THRU FRIDAY...MONDAY MORNING QB'S ROLL AWAY WHEELS..

-- Posted by Chickenlips on Thu, Mar 25, 2010, at 2:26 PM

It is apparent that congress cannot fix this problem we have with healthcare. I do not care which party it is. This is inherently an unfixable problem for congress to work with given the confines with which we govern. That has nothing to do with who is in office either. You could vote out everyone currently in both the House and the Senate and replace them with honest people and congress still cannot fix this.

A commission of healthcare experts ranging from providers, economists, lawyers, insurance, and patients should be commissioned to develop a plan to deal with our health care problems. It could then go to congress for a vote without any pork being attached.

Does it make any sense that just because someone is voted to congress that they could possibly have any inherent knowledge of how to fix health care anymore so than they would know how to fix my car or perfoem brain surgery?

-- Posted by shortwhitebaldguy on Thu, Mar 25, 2010, at 3:58 PM

I'm also tired of all the blame being placed on medical. No one bothers to police lawyers that get 1/3 of a settlement for their clients and THEN expenses. No wonder malpractice insurance is so high. Millions of dollars for 'pain and suffering' just because juries believe 'the insurance company is paying for it??' No wonder John Edwards could afford a $500 haircut when he was running.

-- Posted by LiveAnotherDay on Thu, Mar 25, 2010, at 11:43 AM

I agree with what you are saying, but you can't compare apples to oranges.

Yes its true that lawyers can take up to a third. However, that is only IF they win or settle. Guess how much they get if they lose? NOTHING. If I die, its not like the hospital won't charge me.

"Pain and Suffering"...Now before you go down this road, tell the value you place on your children? Are you saying that if somebody harmed a person in your family through malice or negligent action, you wouldn't suffer or feel pain?

While I despise frivolous lawsuits, I can't ignore that many have do have value. And also, some of the blame lies with corporate America. They have these accountants who calculate the cost of a trial vs. the cost of the settlement. The problem is these type of people never put a financial value on the price of the fight. If you settle, it makes you a target. If you aggressively fight every frivolous or borderline frivolous lawsuit that comes your way...how many Ambulance chasers will be willing to take you on?

-- Posted by lumbrgfktr on Thu, Mar 25, 2010, at 5:23 PM

@ shortwhitebaldguy on Thu, Mar 25, 2010, at 3:58 PM

i agree. I think Blagojevich proves your point. I am suprised that guy can talk.

-- Posted by lumbrgfktr on Thu, Mar 25, 2010, at 5:26 PM

If I have to pay for my neighbor's food, housing, child care, and medical care, then why the hell isn't my neighbor mowing my lawn, wahing my car, and doing my laundry! -- Posted by CapeRN on Thu, Mar 25, 2010, at 10:21 AM

That's a good question.

"why are the medical and insurance bills so expensive".

That's almost a no-brainer question. Because people don't pay what they owe to the medical caregivers? The expenses associated with hospitals and doctors' practices (equipment, employees, malpractice & other insurance, rent or purchase on the location?

Insurance companies gamble that their clients wouldn't get sick, but they did? Or they didn't really, but went to the doctor or ER anyway? Some people really do seem to think they should 'get something' in return for their premiums, whether or not they need it.

Seem to forget that insurance companies (health, life, vehicle, home) aren't charities, but businesses.

-- Posted by gurusmom on Thu, Mar 25, 2010, at 5:27 PM

I don't know what insurance company jadip4me deals with, but the major health insurer in Missouri, now for profit, has contracts with employers that provide a very nice financial return if claims stay below 80% of premiums paid each year. Premiums are a little higher for this type of policy, but not significantly. Before the payment is made to the insured company, part of the premiums go into a reserve pool to cover losses in years claims exceed the 80%. I help negotiate premiums so I know how it works.

Based on my experience, if an insurance company typically pays out 65% of premiums in claims, it must be a small company that doesn't have a sufficient customer base to cover its fixed costs at a low per subscriber cost.

-- Posted by sunshine51 on Thu, Mar 25, 2010, at 7:00 PM

gurusmom,

So all of those new additions to both Cape hospitals are from people not paying what they owe to medical caregivers? Okay, shows what you know too. You may step down. No further questions. Thank you.

-- Posted by grandma73 on Thu, Mar 25, 2010, at 7:05 PM

Thats gold granny,son i said son,

-- Posted by Chickenlips on Thu, Mar 25, 2010, at 7:26 PM

Grandma 73,

You are against hospital expansion, medical technology, medical research, and all that makes our health care system second to none. Is that your mentality?

Malpractice insurance, free care to the illegals, and other society parasites have to be recovered for our medical system to remain the best in the world. You obviously have not owned or managed a business where a substantial amount of your goods and services are not paid for or receive a small percentage of your billing with the necessary profit margin by the government. i.e. Medicare.

My recent procedure was billed at more than $75,000 and Medicare paid less than $18,000. Who do you think will make up that loss?

Perhaps you are the one that should consider stepping down along with Comrades Obama, Reid, Pelosi, and company. Telling folks they are not very smart in my view speaks volumes about one's own level of intelligence. Getting personal shows desperation.

I join Wheels in not getting over it because this socialist bill was passed. We have just begun to fight. GET USED TO IT.

-- Posted by Balmy on Thu, Mar 25, 2010, at 7:40 PM

Why is that wheels? Because I've had to give most of my life long savings and everything my husband left me to the drug companies just to live as long as I can? Dumb concept, huh?

Unlike you, I did not sell off my oil companies and diamond mines, buy an RV and a computer, then proceed to complain about the government all day. I work all my life as hard as I could and obeyed all law, but never made it out of the upper middle class. Now I'm the one being robbed.

Balmy, turn off Rush Limbaugh and Fox News once every so often. S**t'll rot your brain, boy.

-- Posted by grandma73 on Thu, Mar 25, 2010, at 8:52 PM

Amen Wheels!

Granny is evidently against free enterprise and capitalism. I do not know if Granny is a grandmother or grandfather or whatever. She/he does not seem to worry about the grandchildren and what they will inherit. Granny seems to be of the mindset of I see it, I want it, I am entitled to it, and I want it now.

I was not around ten years ago as I was working 80 plus hours per week providing for my family. I hope Chicken Lips was doing the same and not worried about was free for them at the time.

-- Posted by Balmy on Thu, Mar 25, 2010, at 8:56 PM

Grandma 73,

How about this s##t. My mom and dad lost their life savings because of medical costs in the 50's and 60's.They did not have government health care and they did not go asking their friends and family i.e. government to pay for it. They were staunch Democrats that went through the depression and never accepted a dime from others. My dad had a third grade education and my mother a 6th grade education. They worked hard and never never expected a hand out from anyone. Granny, I never saw an indoor bathroom until I went into the military. I could tell you sob stories about my life but that would not impress anyone nor would it benefit me. We all are dealt different hands and make decisions in life and have to deal with the consequences of those decision. You come across as a very bitter and unhappy person.

FYI, I am not your BOY and I am not much younger than you if you are 73. I have no goldmines or oil companies. I have an RV and a computer and I still work two jobs to allow my wife and I to enjoy both.

I have found in my life experiences that a positive attitude makes a big difference in one's life.

My advice to you is that you consider associating with people with a brighter outlook on life. You know misery loves company.

My brain may be rotting but I am enjoying life to the fullest. Live every day as if it is your last

because it may very well be. Personal assaults on people because of envy makes one miserable. I will pray for you lady.

-- Posted by Balmy on Thu, Mar 25, 2010, at 9:21 PM

Why are old dudes so grouchy?

-- Posted by Chickenlips on Thu, Mar 25, 2010, at 9:38 PM

Chicken Lips,

This old dude gets grouchy when some socialist wants to take what I have worked over 50 years for and give it to someone he believes is more deserving.

If I can mandate that you give my neighbor half of what you own because I believe he has a greater need. Odds are old dude or not, you would be grouchy.

-- Posted by Balmy on Thu, Mar 25, 2010, at 9:52 PM

All of the sudden (last one years) these republicans are worried about deficit's and what the next generations will inherit. My oh my, how soon Dubya is forgotten.

-- Posted by grandma73 on Thu, Mar 25, 2010, at 10:00 PM

You need details:

I have Medicare, and pay $805.00 a quarter for Blue Cross/Blue Shield coverage for what Medicare doesn't pay for.

$40.00 a month for Humana prescription plan.

$6000.00 out of pocket a year on top of that for prescription drugs including the doughnut hole and co-pays. So ya, I'm LOADED with cash.

I haven't asked for a hand. Never received any help. Again, the point is why does it cost what it cost?

Oh well, like arguing with bricks.

-- Posted by grandma73 on Thu, Mar 25, 2010, at 10:21 PM

Sure I care about future generations. How concerned are you about global warming? I'm betting you think it's a myth.

Tomorrow I picking up trash on my county road because people just don't give a sh** anymore. What are you doing? Join me?

-- Posted by grandma73 on Thu, Mar 25, 2010, at 10:24 PM

Grandma,

I really used to like your posts. I'm not sure if you are older than me or not. I'm pushing 50, which isn't that old, but I was raised in the same environment as Wheels.

My first indoor bathroom was around 1973. If I could go back to the old farm and poop in the outhouse, take a bath on the back porch and catch bullhead catfish out of the neighbors pond, I'd do it in a heartbeat.

Life can be hard, but it still can be good.

-- Posted by SpankTheTank on Thu, Mar 25, 2010, at 10:36 PM

Granny,

If you are able to pick up trash, maybe you could what so many our age do, get a job to help offset some of your medical costs.

If that is not possible, I would counsel you to consider getting a husband that can provide additional financial security. Good male companionship may also be a good PRESCRIPTION to help your disposition if you get my drift.

Before retiring for the night with my bride of 48 years,,,,two comments---Global warming is a hoax that is promoted by the Al Gores and Michael Moores for their own financial gain. FYI, Our home is 100 powered by solar. How is yours powered.

Second, the following comments by Fidel Castro that agree with you on health care.

We consider health reform to have been an important battle and a success of his (Obama's) government," Castro wrote in an essay published in state media, adding that it would strengthen the president's hand against lobbyists and "mercenaries."

"It is really incredible that 234 years after the Declaration of Independence ... the government of that country has approved medical attention for the majority of its citizens, something that Cuba was able to do half a century ago,"

Cuba provides free health care and education to all its citizens, and heavily subsidizes food, housing, utilities and transportation, policies that have earned it global praise. The government has warned that some of those benefits are no longer sustainable given Cuba's ever-struggling economy, though it has so far not made major changes.

GOOD NIGHT FAIR LADY.....

-- Posted by Balmy on Thu, Mar 25, 2010, at 11:59 PM

Goodness gracious! You all are fiesty this morning! I've read and re-read, and just don't see why everyone's attacking Granny all of a sudden. All Granny did was say "Hey, did you ever notice that things in the doctor's office are a lot more expensive than in every day life? What causes that?" And now people are telling her she doesn't care about her grandkids! Calm down, everyone!

(And Chicken Lips, you should probably just keep quiet.)

-- Posted by MusicMaker on Fri, Mar 26, 2010, at 11:02 AM

Well Wheels, I can't seem to get here every day, but I try to catch up when I can!

-- Posted by MusicMaker on Fri, Mar 26, 2010, at 4:30 PM


Respond to this story

Posting a comment requires free registration. If you already have an account on seMissourian.com or semoball.com, enter your username and password below. Otherwise, click here to register.

Username:

Password:  (Forgot your password?)

Your comments:
Please be respectful of others and try to stay on topic.