Re: The PPACA Implementation Phase II - Love it or Lose it!
Health insurance is still regulated by the states....which means
Health insurance is still regulated by the states....which means
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The PPACA Implementation Phase II - Love it or Lose it!
- Thread starter joecct
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mookie1995
there's a good buck in that racket.
??? why is a new health care law cancelling existing policies?
Re: The PPACA Implementation Phase II - Love it or Lose it!
Not the law, per se, by the regs written by HHS which codified what "grandfather" meant. They were very tightly written that a change in copay would void your policy.
mookie1995
there's a good buck in that racket.
Dumb it down for Mookie!! Example me
Re: The PPACA Implementation Phase II - Love it or Lose it!
The new law requires that all policies available in the "individual" market have a certain minimum level of mandated benefits. This includes maternity coverage for single men and pediatric coverage for childless post-menopausal women. When you add up all of the various mandates, the result is that just about none of the policies currently available in the individual market will have those benefits. Consequently, they must by law be discontinued -- all of them.
Now, the law supposedly did contain a "grandfathering" provision for existing policies, but administratively it has been interpreted in such a way that almost no policies could actually qualify.
Hence, nearly every policy in the individual market either is cancelled or faces exceptional premium increases, to cover all the new mandated benefits that never had been there before.
The National Association of Insurance Commissioners (the insurance commissioners from all states have a coordinating body to promote uniformity among state regulatory activitity and consistency across state lines) has said that suddenly allowing canceled policies to be continued after all at such a late date would be destabilizing. Their response is, you can't have people planning for three years to meet the law and then suddenly on a whim change your mind about one detail without thinking through the potential ripple effects it might have elsewhere.
in other words, they are pizzed, and imho, rightly so. how do you think they feel when policies they have reviewed, studied, and approved for decades suddenly become labeled "substandard" by an ignorant bunch of amateurs who clearly don't know anything about insurance?
The new law requires that all policies available in the "individual" market have a certain minimum level of mandated benefits. This includes maternity coverage for single men and pediatric coverage for childless post-menopausal women. When you add up all of the various mandates, the result is that just about none of the policies currently available in the individual market will have those benefits. Consequently, they must by law be discontinued -- all of them.
Now, the law supposedly did contain a "grandfathering" provision for existing policies, but administratively it has been interpreted in such a way that almost no policies could actually qualify.
Hence, nearly every policy in the individual market either is cancelled or faces exceptional premium increases, to cover all the new mandated benefits that never had been there before.
The National Association of Insurance Commissioners (the insurance commissioners from all states have a coordinating body to promote uniformity among state regulatory activitity and consistency across state lines) has said that suddenly allowing canceled policies to be continued after all at such a late date would be destabilizing. Their response is, you can't have people planning for three years to meet the law and then suddenly on a whim change your mind about one detail without thinking through the potential ripple effects it might have elsewhere.
in other words, they are pizzed, and imho, rightly so. how do you think they feel when policies they have reviewed, studied, and approved for decades suddenly become labeled "substandard" by an ignorant bunch of amateurs who clearly don't know anything about insurance?
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Re: The PPACA Implementation Phase II - Love it or Lose it!
It is NOT JUST individual policies. Since the employer mandate has been unilaterally (and apparently illegally) delayed the same result for employer held policies has not yet hit, but will in a year when the mandate takes effect. The same reasons apply. So instead of it impacting ~6-8 million people, it will impact many, many more in the future.
It is NOT JUST individual policies. Since the employer mandate has been unilaterally (and apparently illegally) delayed the same result for employer held policies has not yet hit, but will in a year when the mandate takes effect. The same reasons apply. So instead of it impacting ~6-8 million people, it will impact many, many more in the future.
Re: The PPACA Implementation Phase II - Love it or Lose it!
Agree totally with this perspective. and the news will be coming out right around Election Day 2014
Agree totally with this perspective. and the news will be coming out right around Election Day 2014
mookie1995
there's a good buck in that racket.
Re: The PPACA Implementation Phase II - Love it or Lose it!
I'm confused still
The pediatrics coverage for old childless broads. They don't use a pediatrician. Now if they suddenly needed one, "adoption/legal guardian for a death" perhaps that would fall under life changing event, no? Like when a person now goes from single to married (and subsequently their premiums & all change). Right?
And men are getting prego??? Arnold and Danny already did that bad money
I'm confused still
The pediatrics coverage for old childless broads. They don't use a pediatrician. Now if they suddenly needed one, "adoption/legal guardian for a death" perhaps that would fall under life changing event, no? Like when a person now goes from single to married (and subsequently their premiums & all change). Right?
And men are getting prego??? Arnold and Danny already did that bad money
Patman
Rodent of Unusual Size
Re: The PPACA Implementation Phase II - Love it or Lose it!
Funny how things change when these ideas and ideals get turned into reality.
Pontificating is easy. Reality is hard and reality always wins.
Funny how things change when these ideas and ideals get turned into reality.
Pontificating is easy. Reality is hard and reality always wins.
Re: The PPACA Implementation Phase II - Love it or Lose it!
These "features" are by deliberate design. The plan is to spread the costs of healthcare more broadly, across the entire population. So single men pay premium for maternity care to make maternity care more affordable for women who are pregnant. Childless people or people with grown children pay for pediatric care to make pediatric care more affordable for people who do have children. young people are charged far more than their risk profile would warrant so that older and sicker people pay less than their risk profile would warrant.
Anyone over age 25 who doesn't purchase health insurance pays a <strike>penalty</strike> tax.
None of these features were included by people who understand insurance. It was done for a broader social purpose instead. The cancellation of individual policies now, and the impending cancellation of most employer-sponsored group plans next year, also is by deliberate design. The plan is to force everyone into the same insurance program, whether they like it or not. It's for our own good, you see. They know better than anyone else how things should be and they are determined to force their viewpoint on everyone else for the most noble of reasons, they mean well.
These "features" are by deliberate design. The plan is to spread the costs of healthcare more broadly, across the entire population. So single men pay premium for maternity care to make maternity care more affordable for women who are pregnant. Childless people or people with grown children pay for pediatric care to make pediatric care more affordable for people who do have children. young people are charged far more than their risk profile would warrant so that older and sicker people pay less than their risk profile would warrant.
Anyone over age 25 who doesn't purchase health insurance pays a <strike>penalty</strike> tax.
None of these features were included by people who understand insurance. It was done for a broader social purpose instead. The cancellation of individual policies now, and the impending cancellation of most employer-sponsored group plans next year, also is by deliberate design. The plan is to force everyone into the same insurance program, whether they like it or not. It's for our own good, you see. They know better than anyone else how things should be and they are determined to force their viewpoint on everyone else for the most noble of reasons, they mean well.
mookie1995
there's a good buck in that racket.
Re: The PPACA Implementation Phase II - Love it or Lose it!
????
So this is not set up to follow the tested and true
Single
+1
Or family
Three tiered pricing structure??
????
So this is not set up to follow the tested and true
Single
+1
Or family
Three tiered pricing structure??
gounhwildcats
Go Cats!! Beat Maine!!!
Re: The PPACA Implementation Phase II - Love it or Lose it!
Or as the smartest President in the history of the United States said in a recent press conference “What we’re also discovering is that insurance is complicated to buy.”
Or as the smartest President in the history of the United States said in a recent press conference “What we’re also discovering is that insurance is complicated to buy.”
FadeToBlack&Gold
Microlot Marxist
Re: The PPACA Implementation Phase II - Love it or Lose it!
Did he discover that from listening to the same news reports as the rest of us?
Did he discover that from listening to the same news reports as the rest of us?
Patman
Rodent of Unusual Size
Re: The PPACA Implementation Phase II - Love it or Lose it!
Of course, the smartest man in the world must always be given plausible denial-ability, how else can he spend time making drone strikes?
Maybe some day he'll lend us his intelligence. If glorious everlasting leader, kim jong-il, can golf 33 for 18 holes then surely the miracle savant of our time can sort this out.
-----
Seriously, if he's supposed to be so "smart" but he appears to be sequestered by his go-between Valerie Jarret then what the heck is he doing with his time.
Did he discover that from listening to the same news reports as the rest of us?
Of course, the smartest man in the world must always be given plausible denial-ability, how else can he spend time making drone strikes?
Maybe some day he'll lend us his intelligence. If glorious everlasting leader, kim jong-il, can golf 33 for 18 holes then surely the miracle savant of our time can sort this out.
-----
Seriously, if he's supposed to be so "smart" but he appears to be sequestered by his go-between Valerie Jarret then what the heck is he doing with his time.
Re: The PPACA Implementation Phase II - Love it or Lose it!
Trying to shoot 33 for 18 holes --- and failing as miserably as he is with everything else.
Trying to shoot 33 for 18 holes --- and failing as miserably as he is with everything else.
Re: The PPACA Implementation Phase II - Love it or Lose it!
I almost did that at miniature golf. Darn windmills!Trying to shoot 33 for 18 holes --- and failing as miserably as he is with everything else.
Re: The PPACA Implementation Phase II - Love it or Lose it!
Years ago I came close to that-i almost shot a 33 on the 18th hole here at the Woodlake Country Club in Lakewood NJ. Obvioulsy it is not my sport of choice.
Years ago I came close to that-i almost shot a 33 on the 18th hole here at the Woodlake Country Club in Lakewood NJ. Obvioulsy it is not my sport of choice.
FadeToBlack&Gold
Microlot Marxist
Re: The PPACA Implementation Phase II - Love it or Lose it!
They always plug the center exit, don'tcha know.
They always plug the center exit, don'tcha know.
Re: The PPACA Implementation Phase II - Love it or Lose it!
Given how often male conservatives seem to be suffering from PMS, I think the old boy is onto something!
I'm confused still
The pediatrics coverage for old childless broads. They don't use a pediatrician. Now if they suddenly needed one, "adoption/legal guardian for a death" perhaps that would fall under life changing event, no? Like when a person now goes from single to married (and subsequently their premiums & all change). Right?
And men are getting prego??? Arnold and Danny already did that bad money
Given how often male conservatives seem to be suffering from PMS, I think the old boy is onto something!
Re: The PPACA Implementation Phase II - Love it or Lose it!
Death panels? OOPS! Maybe so??
http://www.ijreview.com/2013/11/97517-yeah-about-those-death-panels-its-built-into-obamacare/
Death panels? OOPS! Maybe so??
http://www.ijreview.com/2013/11/97517-yeah-about-those-death-panels-its-built-into-obamacare/
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