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| Wells Hall Off-topic Board Politics, Religion, and Social Issues. This board is your pulpit to preach to the masses (like the Wells Hall preacher) about everything from politics to religion. Please be kind to your fellow Spartans. Post as if your family is in the other computer. |
10-06-2008, 11:25 PM
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#1 (permalink)
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 2,500+ posts
Join Date: Nov 2001
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Since Obama will cover pre-existing conditions
Or at least he is going to force insurance companies to do so, once he is elected I am going to drop my health insurance and simply wait until I get sick to buy it back 
Do you think he will do the same for auto insurance?
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10-06-2008, 11:29 PM
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#2 (permalink)
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 250+ posts
Join Date: Nov 2001
Location: bloomfield
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Will there be any incentive for employers to even offer health insurance?
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10-06-2008, 11:38 PM
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#3 (permalink)
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RCMB Donor
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 #21 Otis Wiley
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Quote:
Originally Posted by RQA
Or at least he is going to force insurance companies to do so, once he is elected I am going to drop my health insurance and simply wait until I get sick to buy it back
Do you think he will do the same for auto insurance? |
 Pre-existing doesn't mean retroactive. If you get hit by a bus, you're on your own until you get the application in.
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There is nothing wrong in America that can't be fixed with what is right in America. - WJC
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10-06-2008, 11:40 PM
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#4 (permalink)
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Mark Dantonio
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If I take up smoking like a champ will that be covered?
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There's no certainty - only opportunity.
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10-06-2008, 11:44 PM
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#5 (permalink)
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#21 Otis Wiley
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Quote:
Originally Posted by LA_Spartan
Pre-existing doesn't mean retroactive. If you get hit by a bus, you're on your own until you get the application in. |
Can you believe that wizard comment from rqa? 
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10-06-2008, 11:44 PM
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#6 (permalink)
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Sparty
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Quote:
Originally Posted by RQA
Or at least he is going to force insurance companies to do so, once he is elected I am going to drop my health insurance and simply wait until I get sick to buy it back
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under Obama's Illinois healthcare plan, any child without coverage is eligible for the state plan if they don't have insurance for 12 months ... should I take them off my plan and chance it? 
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"The liberals' favorite argument is that there is no argument."
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10-07-2008, 09:36 AM
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#7 (permalink)
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#14 Brett Swenson
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John McSame:
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“Opening up the health insurance market to more vigorous nationwide competition, as we have done over the last decade in banking, would provide more choices of innovative products less burdened by the worst excesses of state-based regulation.”
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__________________
"I love college football. It's the only time of year you can walk down the street with a girl in one arm and a blanket in the other, and nobody thinks twice about it." --Duffy Daugherty
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10-07-2008, 09:44 AM
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#8 (permalink)
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Quote:
Originally Posted by AbbottHallAbsyntheDrinker
John McSame:
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That quote has nothing at all to do with the thread.
And if you think insurance is expensive now just wait to see what premiums do if the carriers can't protect against pre-existing conditions.
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"I guess if a person never quit when the going got tough, they wouldn't have anything to regret for the rest of their life. Well, good luck to you Peter. I am sure this decision won't haunt you for the rest of your life."
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10-07-2008, 09:52 AM
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#9 (permalink)
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#14 Brett Swenson
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Quote:
Originally Posted by SBSpartan
That quote has nothing at all to do with the thread.
And if you think insurance is expensive now just wait to see what premiums do if the carriers can't protect against pre-existing conditions.
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Best solution: get rid of the carriers.
__________________
"I love college football. It's the only time of year you can walk down the street with a girl in one arm and a blanket in the other, and nobody thinks twice about it." --Duffy Daugherty
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10-07-2008, 09:53 AM
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#10 (permalink)
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Join Date: May 2003
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Quote:
Originally Posted by AbbottHallAbsyntheDrinker
Best solution: get rid of the carriers.
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Really? Who is going to provide you with insurance?
__________________
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"I guess if a person never quit when the going got tough, they wouldn't have anything to regret for the rest of their life. Well, good luck to you Peter. I am sure this decision won't haunt you for the rest of your life."
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10-07-2008, 09:54 AM
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#11 (permalink)
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Dan Enos
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Lets lay it out for the McCain fans.
Your employer currently pays for your health insurance. McCain comes in and it's cost will be taxed as income. Your family coverage is $12K and you gross $60K you just got a 20% tax increase. So you say To hell with this, I'll get the tax credit. Until you find out that to replace what you have will cost you as an individual $16-$18K plus.
But if you, your spouse or your kid(s) have had cancer, heart condition, high blood pressure, been treated for depression or were unlucky enough to be born with a congenital defect of any kind you might not be able to afford your new premium or you will be turned down and go on the uninsurable list.
Universal coverage means we are all in the same risk pool like in Germany, Canada, France, Denmark. The insurance companies can't cherry pick.
__________________
 : One National Championship, 4 trips to the Final Four, Seven Sweet Sixteens, 11 straight trips to NCAA Tournament, 4 Big Ten Championships. Yeah, we'll keep him.
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10-07-2008, 09:56 AM
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#12 (permalink)
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#14 Brett Swenson
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Quote:
Originally Posted by SBSpartan
Really? Who is going to provide you with insurance?
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HR 676
__________________
"I love college football. It's the only time of year you can walk down the street with a girl in one arm and a blanket in the other, and nobody thinks twice about it." --Duffy Daugherty
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10-07-2008, 09:57 AM
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#13 (permalink)
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#14 Goran Suton
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Quote:
Originally Posted by coolmanmsu
Will there be any incentive for employers to even offer health insurance?
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Not if McCain is elected. Currently employers are not taxed on moneys they pay for health insurance for employees. They are however, forced to give all employees the same insurance if they offer it.
McCain's plan is to end this tax break and let the market take offer. he would offer employees a $5000 tax credit to cover the cost of private insurance since employers won't do it anymore. Unfortunately private insurance averages $12k for families.
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10-07-2008, 09:57 AM
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#14 (permalink)
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5,000+ posts
Join Date: May 2003
Location: Atlanta, GA
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Quote:
Originally Posted by GRR Spartan
Lets lay it out for the McCain fans.
Your employer currently pays for your health insurance. McCain comes in and it's cost will be taxed as income. Your family coverage is $12K and you gross $60K you just got a 20% tax increase. So you say To hell with this, I'll get the tax credit. Until you find out that to replace what you have will cost you as an individual $16-$18K plus.
But if you, your spouse or your kid(s) have had cancer, heart condition, high blood pressure, been treated for depression or were unlucky enough to be born with a congenital defect of any kind you might not be able to afford your new premium or you will be turned down and go on the uninsurable list.
Universal coverage means we are all in the same risk pool like in Germany, Canada, France, Denmark. The insurance companies can't cherry pick.
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So what you are saying is that a perfectly healthy person will pay the exact same for health insurance as someone with cancer?
__________________
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"I guess if a person never quit when the going got tough, they wouldn't have anything to regret for the rest of their life. Well, good luck to you Peter. I am sure this decision won't haunt you for the rest of your life."
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10-07-2008, 09:58 AM
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#15 (permalink)
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#14 Goran Suton
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Quote:
Originally Posted by tuff bob
under Obama's Illinois healthcare plan, any child without coverage is eligible for the state plan if they don't have insurance for 12 months ... should I take them off my plan and chance it? |
You could but private insurance has better coverage than that plan.
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10-07-2008, 09:58 AM
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#16 (permalink)
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#14 Goran Suton
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Quote:
Originally Posted by RQA
Or at least he is going to force insurance companies to do so, once he is elected I am going to drop my health insurance and simply wait until I get sick to buy it back
Do you think he will do the same for auto insurance? |
Let me know how that works out for ya!
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10-07-2008, 09:59 AM
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#17 (permalink)
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5,000+ posts
Join Date: May 2003
Location: Atlanta, GA
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Quote:
Originally Posted by AbbottHallAbsyntheDrinker
HR 676
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Jesus are you serious? The new medicare. Hey, medicare hardly works now. Do you know anything about it?
What a joke.
__________________
Quote:
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"I guess if a person never quit when the going got tough, they wouldn't have anything to regret for the rest of their life. Well, good luck to you Peter. I am sure this decision won't haunt you for the rest of your life."
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10-07-2008, 10:03 AM
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#18 (permalink)
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Join Date: Jun 2001
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#14 Goran Suton
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Quote:
Originally Posted by SBSpartan
Jesus are you serious? The new medicare. Hey, medicare hardly works now.
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Other than cost, what is nonfunctioning about medicare?
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10-07-2008, 10:05 AM
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#19 (permalink)
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#14 Brett Swenson
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Quote:
Originally Posted by SBSpartan
Jesus are you serious? The new medicare. Hey, medicare hardly works now. Do you know anything about it?
What a joke.
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Medicare works pretty damn well, except for part D. 3% administration overhead, compared to 12% private group plans and 29% private individual plans. Why do you say Medicare "hardly works?"
__________________
"I love college football. It's the only time of year you can walk down the street with a girl in one arm and a blanket in the other, and nobody thinks twice about it." --Duffy Daugherty
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10-07-2008, 10:06 AM
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#20 (permalink)
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5,000+ posts
Join Date: May 2003
Location: Atlanta, GA
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Quote:
Originally Posted by AbbottHallAbsyntheDrinker
Medicare works pretty damn well, except for part D. 3% administration overhead, compared to 12% private group plans and 29% private individual plans. Why do you say Medicare "hardly works?"
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__________________
Quote:
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"I guess if a person never quit when the going got tough, they wouldn't have anything to regret for the rest of their life. Well, good luck to you Peter. I am sure this decision won't haunt you for the rest of your life."
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10-07-2008, 10:07 AM
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#21 (permalink)
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5,000+ posts
Join Date: Sep 2001
Posts: 5,337
#21 Otis Wiley
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Quote:
Originally Posted by SBSpartan
So what you are saying is that a perfectly healthy person will pay the exact same for health insurance as someone with cancer?
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 I know that I shouldn't be, but I'm a bit stunned by this response. Can you please explain this response, SB? You work for an insurance company, right? Do you understand the concept of pooled risk?
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10-07-2008, 10:08 AM
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#22 (permalink)
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10,000+ posts
Join Date: Sep 2001
Location: West MI
Posts: 18,960
Dan Enos
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Quote:
Originally Posted by SBSpartan
So what you are saying is that a perfectly healthy person will pay the exact same for health insurance as someone with cancer?
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No but since you think cancerand other conditionsares such a yuk fest, let me clue you in. My mother died of liver cancer at 51. My paternal grandmother died of liver cancer at 79. I pay a higher premium because of medical history and was told I would be uninsurable if I was a cancer survivor. I'm self insured (unlike you laughing boy).
So with a universal coverage system the insurance companies can't pick and choose. I certainly hope you don't find yourself filing for bankruptcy because you lose your medical coverage, get sick and get buried financially because you couldn't afford an individual policy to keep the wolves from the door.
__________________
: One National Championship, 4 trips to the Final Four, Seven Sweet Sixteens, 11 straight trips to NCAA Tournament, 4 Big Ten Championships. Yeah, we'll keep him.
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10-07-2008, 10:11 AM
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#23 (permalink)
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25,000+ posts
Join Date: Feb 2003
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Sparty
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Quote:
Originally Posted by Spartytruth
McCain's plan is to end this tax break and let the market take offer. he would offer employees a $5000 tax credit to cover the cost of private insurance since employers won't do it anymore. Unfortunately private insurance averages $12k for families.
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There is the expectation that if the employer will give you what they would have spent on health insurance in your pay check. If that happens then the plan is initially 'neutral' to most people
__________________
"The liberals' favorite argument is that there is no argument."
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10-07-2008, 10:12 AM
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#24 (permalink)
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1,000+ posts
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#14 Brett Swenson
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Quote:
Originally Posted by tuff bob
There is the expectation that if the employer will give you what they would have spent on health insurance in your pay check. If that happens then the plan is initially 'neutral' to most people
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Yeah good luck with that.
__________________
"I love college football. It's the only time of year you can walk down the street with a girl in one arm and a blanket in the other, and nobody thinks twice about it." --Duffy Daugherty
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