Repubs don't have a clue | Page 5 | TigerDroppings.com

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SSpaniel
Ole Miss Fan
Germantown
Member since Feb 2013
2501 posts

re: Repubs don't have a clue


quote:

Whats to stop the insurance companies from laughing at them as they hang up the phone?


Drones.






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SlowFlowPro
Stanford Fan
Simple Solutions to Complex Probs
Member since Jan 2004
300742 posts

re: Repubs don't have a clue


quote:

There is a difference in what insurers outside the exchanges are obligated to cover and those inside the exchanges. Allowing insurers outside the exchange to offer shitty policies will not cost them additional expenses.

you're confused. the expenses are already there, regardless of what new plans they can offer

the prices have to rise to overcome the greater expenses from other variables

quote:

But allowing shitty policies outside the exchange will drain the pool of young and healthy inside the exchange which will doom the exchanges.

yes, the ACA is a very flawed, shitty piece of legislation. nobody is arguing otherwise

quote:

These proposals by McCain and Landrieu leave Obama between a rock and a hard place because if he opposes them, then he's viewed as non caring. If he allows it, it's the end of his exchanges

it won't be the end of his exchanges immediately b/c there won't be new, affordable (ironic) policies for a while

that's why it's symbolic






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Vegas Bengal
Member since Feb 2008
26248 posts

re: Repubs don't have a clue


quote:

Because they have been forced to offer all of these benefits to people by the law. So they have newly signed up individuals who have pre-existing conditions and the likes. The plans that were cancelled and rolled into new plans took into account the $$$ of exposure due to the other side of the law. If they roll back to the old plans, the insurance companies will either have to 1) Make the old policies higher costs to offset the increased exposure 2) Make the old policies the old prices and EAT the new exposures. Remember, the insurance companies on average only make 1-3% profit. There is nothing to give on their end.


Again, you're confused.

If the policies outside the exchange provided for additional coverages and for pre-existing conditions, the price of the policies were already factored in and those who purchased them are paying the higher prices.

The shitty policies won't have the same coverages and will be less expensive. This is what you guys have been arguing for. When you get it, you complain.

Makes me wonder about your reasoning for complaining.






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Jbird
Iowa Fan
In Odramaville with EthanL
Member since Oct 2012
17044 posts
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re: Repubs don't have a clue


Why does the Odrama signature legislation need fixing anyways? All those Dems that voted for it said it was awesomeness and Unicorns?





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Antonio Moss
LSU Fan
Baton Rouge
Member since Mar 2006
29040 posts

re: Repubs don't have a clue


quote:

And if your goal is to kill Obamacare rather than just help people (which clearly it is) then you should favor this.


quote:

Stop being so dramatic.





Mean ole GOPers want to "kill people" because this administration and the Democrats in Congress have the economic competency of a twelve year old.






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SlowFlowPro
Stanford Fan
Simple Solutions to Complex Probs
Member since Jan 2004
300742 posts

re: Repubs don't have a clue


quote:

If the policies outside the exchange provided for additional coverages and for pre-existing conditions, the price of the policies were already factored in and those who purchased them are paying the higher prices.

but the prices for the mythical policies that don't exist were not ever established, b/c the plans didn't exist moving forward. assuming the policies can even be re-created (which is unlikely), a new price in line with the new reality under ACA will be required

i get what you're saying, but you're ignoring adjusting. if the insured will be alllowed to "go back", especially at the old prices, they'll cancel the new plans you're referencing, so the cost/pricing projections will be all fricked up







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Vegas Bengal
Member since Feb 2008
26248 posts

re: Repubs don't have a clue


quote:

you're confused. the expenses are already there, regardless of what new plans they can offer


No. You are.

Under this proposal you personally can buy the shitty policy you had. You won't get the advantages of the better provisions under the ACA. The insurers will be in the same position they were in as will you.

Those better policies already sold already had the cost factored in which is why we've seen the 1000 threads on this board complaining about them.

I don't imagine you'll concede the obvious because you've never done so in your career here but this proposal is exactly what you wanted.

But it's more fun to call McCain a traitor and pure scum. So go for it.






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Antonio Moss
LSU Fan
Baton Rouge
Member since Mar 2006
29040 posts

re: Repubs don't have a clue


quote:

Allowing insurers outside the exchange to offer shitty policies will not cost them additional expenses.


Most of the policies being cancelled due to the ACA aren't "shitty" policies. They are great, cost-effective, insurance based policies that screw up the ACA because they don't bring in enough money to cover overbearing, policy monstrosities.

Try to formulate an argument that doesn't rely on a DNC talking point.






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Antonio Moss
LSU Fan
Baton Rouge
Member since Mar 2006
29040 posts

re: Repubs don't have a clue


quote:

Under this proposal you personally can buy the shitty policy you had. You won't get the advantages of the better provisions under the ACA.


The advantage of double premiums for coverage that will never be used?



Unbelievable.






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SlowFlowPro
Stanford Fan
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re: Repubs don't have a clue


People will cancel the ACA-adjusted plans and go back to the better options (if they can even be writte) that are not adjusted to ACA costs. This will lead to cost shifting, which will be tough so losses are more likely





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SlowFlowPro
Stanford Fan
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Member since Jan 2004
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re: Repubs don't have a clue


Dp


This post was edited on 11/14 at 10:06 am


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Vegas Bengal
Member since Feb 2008
26248 posts

re: Repubs don't have a clue


quote:

but the prices for the mythical policies that don't exist were not ever established, b/c the plans didn't exist moving forward. assuming the policies can even be re-created (which is unlikely), a new price in line with the new reality under ACA will be required


So the prices never existed? The 1000 threads saying the costs of the new policies have increase 5 and 10 fold were lies?

And you're actually arguing that it's unlikely that insurers can offer shitty policies and cheap prices?

quote:

i get what you're saying, but you're ignoring adjusting. if the insured will be alllowed to "go back", especially at the old prices, they'll cancel the new plans you're referencing, so the cost/pricing projections will be all fricked up
there's no need to cancel the new plans bc the risk to them was already factored into their price which is why the premiums and deductibles were so high.

There's no reason not to go back because if the shitty policies were profitable before they'll be profitable now.

If you snapped your finger and did away with Obamacare, you'd still have both types of policies we're referring to. Under your reasoning we can never ever go back to your shitty policy with or without obamacare. That silly.

Now if we're talking about policies within the exchange, like I said there's no way they're sustainable if this proposal is passed, which is why you should favor it.






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Lsut81
USA Fan
Member since Jun 2005
65373 posts
 Online 

re: Repubs don't have a clue


quote:

there's no need to cancel the new plans bc the risk to them was already factored into their price which is why the premiums and deductibles were so high.


Yes there is... If BC/BS is in the exchange and their old plans were increased to meet requirements along with help pay for the people coming in from the exchange with pre-existing conditions, they would have to cancel the new exchange plans with pre existing conditions too.






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Jbird
Iowa Fan
In Odramaville with EthanL
Member since Oct 2012
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 Online 

re: Repubs don't have a clue


quote:

And you're actually arguing that it's unlikely that insurers can offer shitty policies and cheap prices?


Why would Barack the Benevolent allow people to buy shitty policies this week, last week they were saving us from that, now they aren't?






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Antonio Moss
LSU Fan
Baton Rouge
Member since Mar 2006
29040 posts

re: Repubs don't have a clue


quote:

there's no need to cancel the new plans bc the risk to them was already factored into their price which is why the premiums and deductibles were so high.

There's no reason not to go back because if the shitty policies were profitable before they'll be profitable now.


The new, overpriced ACA plans are what fund the more expensive plans used to cover comprehensive coverage an pre existing conditions. If you remove the crappy, overpriced premiums, the cost of the other plans are unsustainable.

At its heart, the ACA is a redistribution program. What you suggest is to remove the funding that needs to be redistributed.






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Vegas Bengal
Member since Feb 2008
26248 posts

re: Repubs don't have a clue


quote:

People will cancel the ACA-adjusted plans and go back to the better options (if they can even be writte) that are not adjusted to ACA costs. This will lead to cost shifting, which will be tough so losses are more likely


There's no reason why they couldn't be written if the proposal allows them to (and I haven't read the proposal so I'm assuming they can. If not a Republican should propose such a plan). There were plans before which provided the same coverage these new plans did and at the same costs. The costs take into account the risks. That's how insurance works.

The problem will be the exchange plans. This proposal will totally frick up those. It will mean nothing to the plans outside the exchange except allow for shitty policies.

It's clear that folks in this thread are furious because They think McCain has taken away their biggest stick to bash Obama. It has nothing to do with what's best for people. The irony is that this proposal will eventually give them a bigger stick.



This post was edited on 11/14 at 10:14 am


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boosiebadazz
Member since Feb 2008
46100 posts
 Online 

re: Repubs don't have a clue


Which is why industry will have to absorb those costs until the government can get it the website and exchanges fully operational.





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SlowFlowPro
Stanford Fan
Simple Solutions to Complex Probs
Member since Jan 2004
300742 posts

re: Repubs don't have a clue


quote:

So the prices never existed?

not when ACA prices were being calculated. why would the insurance companies waste time in preparing prices for plans they weren't going to offer? insurance companies had to create prices for ACA plans.

quote:

The 1000 threads saying the costs of the new policies have increase 5 and 10 fold were lies?

the cost baseline was under "old" plans (the ones that Obama is now saying can be kept) under a pre-ACA system. the new pricing are the realities of the adjustments of the ACA system. the old prices in the ACA reality are mythical. they never existed in this brave new world

quote:

And you're actually arguing that it's unlikely that insurers can offer shitty policies and cheap prices?

my old plan was $154 a month
a comparable plan today is $280-300/month

i haven't bought a plan, but let's assume that i had bought a $280 plan. why would SFP not cancel that and go back to my old $154 plan (assuming it was even possible to create that plan again)? the insurance company would take a $140/month loss on just my plan.

quote:

there's no need to cancel the new plans bc the risk to them was already factored into their price which is why the premiums and deductibles were so high.

again, you're wrong. the ACA plans are $280-300/month and the pre-ACA plan was $154/month

as a rational consumer, of course there is a need to cancel the 280/month plan when i want my 154/month plan

quote:

because if the shitty policies were profitable before they'll be profitable now.

um, things have changed with the ACA. cost shifting has made the prices of these plans unprofitable. you're ignoring the reality of changing behaviors due to laws. you're playing checkers, not chess

quote:

If you snapped your finger and did away with Obamacare, you'd still have both types of policies we're referring to.

not until they could write new policies under the new reality, but down the road? yes

quote:

Under your reasoning we can never ever go back to your shitty policy with or without obamacare.

that's not true

now, i AM arguing that it would take a bit of time to go back to my old plan if the ACA were repealed this very second







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Jbird
Iowa Fan
In Odramaville with EthanL
Member since Oct 2012
17044 posts
 Online 

re: Repubs don't have a clue


quote:

It will mean nothing to the plans outside the exchange except allow for shitty policies.

I can't believe Barack would do this to us.






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Antonio Moss
LSU Fan
Baton Rouge
Member since Mar 2006
29040 posts

re: Repubs don't have a clue


But that still won't solve the problem.





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