The HCRA

[Exterminator]

it was the "stupid" that voted for him and got him elected.

Really?  I'm only asking since it would seem that the least literate people on this forum are those who hate him.

[Exterminator]

Yeah, that is exactly what he would like to have done.....being a f'ing Chicago thug politician.

Tell us again how your hatred of this man isn't rooted in racism; won't you? 

The thing is this.....every person I know, that has a brain, clearly see's it this way too.

Do they know how to use commas correctly?

[Henry Hawk]

Tell us again how your hatred of this man isn't rooted in racism; won't you? 

The thing is this.....every person I know, that has a brain, clearly see's it this way too.

Do they know how to use commas correctly?

I'm not taking a english exam.....I am shooting at the hips, rambling on and on.  I get excited when I type with an attitude.

and despite what you have trained yourself to think, race has nothing what-so-ever in my disgust over this potus.

[Exterminator]

and despite what you have trained yourself to think, race has nothing what-so-ever in my disgust over this potus.

Really?  Odd because the statement I quoted is absolutely racist.

[me]

Really?  Odd because the statement I quoted is absolutely racist.

Why is it racist? 

[Henry Hawk]

Really?  Odd because the statement I quoted is absolutely racist.

Are YOU insinuating that some of the people I know that have a brain are all white?  If so, you would be wrong, because three people I work with are African American, and they totally are against Obama and the democrats.  One of them is an extreme Tea Party advocate.

[me]

Senate Democrats supported rule that led to insurance cancellations   
October 31st, 2013
06:38 PM ET
11 hours ago
Senate Democrats supported rule that led to insurance cancellations
Posted by
CNN Investigative Correspondent Chris Frates   

Washington (CNN) - Senate Democrats voted unanimously three years ago to support the Obamacare rule that is largely responsible for some of the health insurance cancellation letters that are going out.

In September 2010, Senate Republicans brought a resolution to the floor to block implementation of the grandfather rule, warning that it would result in canceled policies and violate President Barack Obama's promise that people could keep their insurance if they liked it.


"The District of Columbia is an island surrounded by reality. Only in the District of Columbia could you get away with telling the people if you like what you have you can keep it, and then pass regulations six months later that do just the opposite and figure that people are going to ignore it. But common sense is eventually going to prevail in this town and common sense is going to have to prevail on this piece of legislation as well," Iowa Sen. Chuck Grassley said at the time.

"The administration's own regulations prove this is not the case. Under the grandfathering regulation, according to the White House's own economic impact analysis, as many as 69 percent of businesses will lose their grandfathered status by 2013 and be forced to buy government-approved plans," the Iowa Republican said.

On a party line vote, Democrats killed the resolution, which could come back to haunt vulnerable Democrats up for re-election this year.

Senate Democrats like Mary Landrieu, Jeanne Shaheen, Mark Pryor, Kay Hagan and Mark Begich – all of whom voted against stopping the rule from going into effect and have since supported delaying parts of Obamacare.

The rule set up the criteria for what insurance plans would be grandfathered, or exempted, from the new Obamacare requirements. Democrats argued then that the rule was necessary to insure that insurance companies weren't able to drastically change their plans and still remain exempt from Obamacare.

Republicans are "saying that basically we will grandfather it in, but the insurance companies can change it however they want, and you are stuck with it," Democratic Sen. Tom Harkin of Iowa said in 2010.

The rule essentially prevents insurance companies from keeping their grandfathered status if they make changes to their plans. In practice, insurance companies are loath to leave their plans unchanged so grandfathered plans are disappearing, and people are being forced to change their plans to meet Obamacare's more robust coverage requirements.
http://politicalticker.blogs.cnn.com/2013/10/31/senate-democrats-supported-rule-that-lead-to-insurance-cancellations/

[The Troll]

  But even tho people have had their insurance cancelled they will be able to buy other and better insurance at a lower price.     You want to put up a $100 bill that they can't, Clarabell.   

[me]

  But even tho people have had their insurance cancelled they will be able to buy other and better insurance at a lower price.     You want to put up a $100 bill that they can't, Clarabell.   

You keep right on believing that if you want. 

[Henry Hawk]

I had great cancer doctors and health insurance. My plan was cancelled. Now I worry how long I'll live.

            ByEdie Littlefield SundbyNov. 3, 2013 6:37 p.m. ET   Everyone now is clamoring about Affordable Care Act winners and losers. I am one of the losers. My grievance is not political; all my energies are directed to enjoying life and staying alive, and I have no time for politics. For almost seven years I have fought and survived stage-4 gallbladder cancer, with a five-year survival rate of less than 2% after diagnosis. I am a determined fighter and extremely lucky. But this luck may have just run out: My affordable, lifesaving medical insurance policy has been canceled effective Dec. 31.

My choice is to get coverage through the government health exchange and lose access to my cancer doctors, or pay much more for insurance outside the exchange (the quotes average 40% to 50% more) for the privilege of starting over with an unfamiliar insurance company and impaired benefits. [/i]

   Countless hours searching for non-exchange plans have uncovered nothing that compares well with my existing coverage. But the greatest source of frustration is Covered California, the state's Affordable Care Act health-insurance exchange and, by some reports, one of the best such exchanges in the country. After four weeks of researching plans on the website, talking directly to government exchange counselors, insurance companies and medical providers, my insurance broker and I are as confused as ever. Time is running out and we still don't have a clue how to best proceed.[/i]

Two things have been essential in my fight to survive stage-4 cancer. The first are doctors and health teams in California and Texas: at the medical center of the University of California, San Diego, and its Moores Cancer Center; Stanford University's Cancer Institute; and the M.D. Anderson Cancer Center in Houston. [/i]


The second element essential to my fight is a United Healthcare PPO (preferred provider organization) health-insurance policy.

Since March 2007 United Healthcare has paid $1.2 million to help keep me alive, and it has never once questioned any treatment or procedure recommended by my medical team. The company pays a fair price to the doctors and hospitals, on time, and is responsive to the emergency treatment requirements of late-stage cancer. Its caring people in the claims office have been readily available to talk to me and my providers.

But in January, United Healthcare sent me a letter announcing that they were pull

ing out of the individual California market. The company suggested I look to Covered California starting in October.
You would think it would be simple to find a health-exchange plan that allows me, living in San Diego, to continue to see my primary oncologist at Stanford University and my primary care doctors at the University of California, San Diego. Not so. UCSD has agreed to accept only one Covered California plan—a very restrictive Anthem EPO Plan. EPO stands for exclusive provider organization, which means the plan has a small network of doctors and facilities and no out-of-network coverage (as in a preferred-provider organization plan) except for emergencies. Stanford accepts an Anthem PPO plan but it is not available for purchase in San Diego (only Anthem HMO and EPO plans are available in San Diego).
So if I go with a health-exchange plan, I must choose between Stanford and UCSD. Stanford has kept me alive—but UCSD has provided emergency and local treatment support during wretched periods of this disease, and it is where my primary-care doctors are. Before the Affordable Care Act, health-insurance policies could not be sold across state lines; now policies sold on the Affordable Care Act exchanges may not be offered across county lines.
What happened to the president's promise, "You can keep your health plan"? Or to the promise that "You can keep your doctor"? Thanks to the law, I have been forced to give up a world-class health plan. The exchange would force me to give up a world-class physician.
For a cancer patient, medical coverage is a matter of life and death. Take away people's ability to control their medical-coverage choices and they may die. I guess that's a highly effective way to control medical costs.

Perhaps that's the point.

[The Troll]

I had great cancer doctors and health insurance. My plan was cancelled. Now I worry how long I'll live.

            ByEdie Littlefield SundbyNov. 3, 2013 6:37 p.m. ET   Everyone now is clamoring about Affordable Care Act winners and losers. I am one of the losers. My grievance is not political; all my energies are directed to enjoying life and staying alive, and I have no time for politics. For almost seven years I have fought and survived stage-4 gallbladder cancer, with a five-year survival rate of less than 2% after diagnosis. I am a determined fighter and extremely lucky. But this luck may have just run out: My affordable, lifesaving medical insurance policy has been canceled effective Dec. 31.

My choice is to get coverage through the government health exchange and lose access to my cancer doctors, or pay much more for insurance outside the exchange (the quotes average 40% to 50% more) for the privilege of starting over with an unfamiliar insurance company and impaired benefits. [/i]

   Countless hours searching for non-exchange plans have uncovered nothing that compares well with my existing coverage. But the greatest source of frustration is Covered California, the state's Affordable Care Act health-insurance exchange and, by some reports, one of the best such exchanges in the country. After four weeks of researching plans on the website, talking directly to government exchange counselors, insurance companies and medical providers, my insurance broker and I are as confused as ever. Time is running out and we still don't have a clue how to best proceed.[/i]

Two things have been essential in my fight to survive stage-4 cancer. The first are doctors and health teams in California and Texas: at the medical center of the University of California, San Diego, and its Moores Cancer Center; Stanford University's Cancer Institute; and the M.D. Anderson Cancer Center in Houston. [/i]


The second element essential to my fight is a United Healthcare PPO (preferred provider organization) health-insurance policy.

Since March 2007 United Healthcare has paid $1.2 million to help keep me alive, and it has never once questioned any treatment or procedure recommended by my medical team. The company pays a fair price to the doctors and hospitals, on time, and is responsive to the emergency treatment requirements of late-stage cancer. Its caring people in the claims office have been readily available to talk to me and my providers.

But in January, United Healthcare sent me a letter announcing that they were pull

ing out of the individual California market. The company suggested I look to Covered California starting in October.
You would think it would be simple to find a health-exchange plan that allows me, living in San Diego, to continue to see my primary oncologist at Stanford University and my primary care doctors at the University of California, San Diego. Not so. UCSD has agreed to accept only one Covered California plan—a very restrictive Anthem EPO Plan. EPO stands for exclusive provider organization, which means the plan has a small network of doctors and facilities and no out-of-network coverage (as in a preferred-provider organization plan) except for emergencies. Stanford accepts an Anthem PPO plan but it is not available for purchase in San Diego (only Anthem HMO and EPO plans are available in San Diego).
So if I go with a health-exchange plan, I must choose between Stanford and UCSD. Stanford has kept me alive—but UCSD has provided emergency and local treatment support during wretched periods of this disease, and it is where my primary-care doctors are. Before the Affordable Care Act, health-insurance policies could not be sold across state lines; now policies sold on the Affordable Care Act exchanges may not be offered across county lines.
What happened to the president's promise, "You can keep your health plan"? Or to the promise that "You can keep your doctor"? Thanks to the law, I have been forced to give up a world-class health plan. The exchange would force me to give up a world-class physician.
For a cancer patient, medical coverage is a matter of life and death. Take away people's ability to control their medical-coverage choices and they may die. I guess that's a highly effective way to control medical costs.

Perhaps that's the point.

  Just who is Eddie Littlefield?  Where does he live?  And do we all think that his insurance was dropped because of the one million dollars they had dropped on him.     Think about all of the other who have been dropped by their insurance companies in the past for costing them too much.  Hummmm?

[Palehorse]

United Healthcare made a "business decision" and is pulling out of a large swath of markets across the country. In fact my current employer was once a member of that market, and as such they were an option available to all of the company's employees; but no more. UHC pulled out of that market as well.

So exactly how is this the fault of the HCRA?

The reality is likely a lot closer to it being a case where the company's decades of billion dollar profits has allowed it to invest in other industries and markets that provide it a healthy revenue stream without incurring  the risks associated with covering human beings.

Sheesh. Is there nothing they will not spin to blame it on the HCRA? 

"But in January, United Healthcare sent me a letter announcing that they were pull

ing out of the individual California market. "

The insurance company made the "business decision", not the HCRA. That is exactly how they roll now. It comes with a "for profit" business plan; identify the higher risks and eliminate them.

In past years many insurance companies imposed a 1 million dollar life-time benefit cap on heath insurance policies. The HCRA eliminated that, and so their marketing departments crunched the data, identified the "naturally occurring clusters" of high-claims throughout their coverage areas and eliminated them. "Good business practices" for any for profit industry.

That's part of the collateral damage imposed upon us all by the defanging of the HCRA by congress. And why should they care? They have awesome coverage for themselves, and a healthy stream of secondary income via the health insurance industry and the contribution scam.

You guys don't get it. You are eating up the diversionary tactics, (otherwise known as bait and switch), the very perpetrators of this FUBAR are feeding you. 

While I am very sorry for this individuals plight, (if it is real and that is a VERY big IF), he has had 11 months to prepare for this situation too. Oh, the premiums are higher and the coverage less? Welcome to the reality of the real world under the defanged HCRA. Don't blame the game, blame the player(s); CONGRESS! 

[me]

And when the insurance companies decide they can't cope with the HCRA regs which have been imposed on them by the HCB and go out of business guess who your insurer will be........well of course.....the government.......duh....single payer.....Canada...UK....long waits for doctors....no premium healthcare available any longer except for the government and the very rich.  Good doctors are already pulling out of taking medicaid and medicare and some are being dropped. 

[The Troll]

And when the insurance companies decide they can't cope with the HCRA regs which have been imposed on them by the HCB and go out of business guess who your insurer will be........well of course.....the government.......duh....single payer.....Canada...UK....long waits for doctors....no premium healthcare available any longer except for the government and the very rich.  Good doctors are already pulling out of taking medicaid and medicare and some are being dropped.

  To call names as usual, "ME" you are truly one hell of a big selfish dumbass.      What a fool too.   

[me]

  To call names as usual, "ME" you are truly one hell of a big selfish dumbass.      What a fool too.   

What????  Go take your meds Troll.