1) It must be pretty profitable to justify this kind of expense in
marketing/advertising.  $MILLIONS and millions-maybe billions.

In article <6l4j2rFapdp... at (no spam) mid.individual.net>,





 "dene" <d... at (no spam) remove.ipns.com> wrote:
"Lloyd Parsons" <lloydpars... at (no spam) mac.com> wrote in message
news:lloydparsons-AE2DDB.08034508102008 at (no spam) news.individual.net...
I'm pretty much in agreement with you, but if you have #4, then you need
a #5.

Police the medical providers better.  Currently there is no effective
means of getting bad doctors out of the system.  Until that happens,
then #4 isn't appropriate, imo.

Well said.  Total agreement.

About the pre-existing conditions.  Big groups now usually cover that,
and what bigger group could there be than everybody?  The fallacy of
medical insurance that I see now is that 'groups' get some kind of break
in premiums and the pre-existing conditions (often), individuals get a
hosing in rates an no pre-existing conditions.

In Oregon and Washington, individual is 25% cheaper than group.  Reason.
Underwriting is allowed to look back 5 years at the time of application..
This weeds out those who wait until they are sick before acquiring health
insurance.  Years ago, in Washington, a liberal legislature did away with
this practice.  Within two years, all individual plans disappeared, include
Blue Cross and Blue Shield of Washington.   It took another two years before
the legislature undid the damage.  I'm hoping President Obama doesn't make
the same mistake.

-Greg

I didn't know that individual was cheaper anywhere over groups.  Thanks
for that info.  Nice to know, even if it doesn't apply to me.  I have
Tri-Care now, and in December change to Medicare with Tri-Care for Life
as a military retiree.

I think what Obama is wanting is to make insurance carrying virtually
mandatory by having benefits in taxes and such for those that have it
and none for those with none.  I think that he is assuming that most, if
not all, people will want that break and the insurance and that will
broaden the total pool that the insurance companies would be looking at.  
That should lessen the burden of taking on the ones with pre-existing
conditions.- Hide quoted text -

- Show quoted text -

You're are going to love Medicare. Cheap premiums....lottsa
coverage. For years I was relunctant to market the stuff, due to all
the rules one has to memorize, etc. But....my clients started getting
older and I was compelled to get educated. Turns out, it's the best
part of my job. It's all good news.

-Greg
It's not good news if throughout 21 years of miliatry service,

On Oct 8, 2:15 pm, Lloyd Parsons <lloydpars... at (no spam) mac.com> wrote:
In article <6l4j2rFapdp... at (no spam) mid.individual.net>,





 "dene" <d... at (no spam) remove.ipns.com> wrote:
"Lloyd Parsons" <lloydpars... at (no spam) mac.com> wrote in message
news:lloydparsons-AE2DDB.08034508102008 at (no spam) news.individual.net...
I'm pretty much in agreement with you, but if you have #4, then you
need
a #5.

Police the medical providers better.  Currently there is no effective
means of getting bad doctors out of the system.  Until that happens,
then #4 isn't appropriate, imo.

Well said.  Total agreement.

About the pre-existing conditions.  Big groups now usually cover that,
and what bigger group could there be than everybody?  The fallacy of
medical insurance that I see now is that 'groups' get some kind of
break
in premiums and the pre-existing conditions (often), individuals get a
hosing in rates an no pre-existing conditions.

In Oregon and Washington, individual is 25% cheaper than group.  Reason.
Underwriting is allowed to look back 5 years at the time of application.
This weeds out those who wait until they are sick before acquiring health
insurance.  Years ago, in Washington, a liberal legislature did away with
this practice.  Within two years, all individual plans disappeared,
include
Blue Cross and Blue Shield of Washington.   It took another two years
before
the legislature undid the damage.  I'm hoping President Obama doesn't
make
the same mistake.

-Greg

I didn't know that individual was cheaper anywhere over groups.  Thanks
for that info.  Nice to know, even if it doesn't apply to me.  I have
Tri-Care now, and in December change to Medicare with Tri-Care for Life
as a military retiree.

I think what Obama is wanting is to make insurance carrying virtually
mandatory by having benefits in taxes and such for those that have it
and none for those with none.  I think that he is assuming that most, if
not all, people will want that break and the insurance and that will
broaden the total pool that the insurance companies would be looking at.  
That should lessen the burden of taking on the ones with pre-existing
conditions.- Hide quoted text -

- Show quoted text -

You're are going to love Medicare. Cheap premiums....lottsa
coverage. For years I was relunctant to market the stuff, due to all
the rules one has to memorize, etc. But....my clients started getting
older and I was compelled to get educated. Turns out, it's the best
part of my job. It's all good news.

-Greg

On Thu, 9 Oct 2008 19:42:25 -0700 (PDT), Dene <gdstrue at (no spam) aol.com> wrote:


You're are going to love Medicare. Cheap premiums....lottsa
coverage. For years I was relunctant to market the stuff, due to all
the rules one has to memorize, etc. But....my clients started getting
older and I was compelled to get educated. Turns out, it's the best
part of my job. It's all good news.

-Greg
It's not good news if throughout 21 years of miliatry service,
including several reenlistments, you were told that one of your
retirement benefits would be free health care. Now I'm gonna have to
fork out for Part B to get my "free" care (which hasn't been free
since the day I retired).

Dave Clary
Corpus Christi, TX
http://davegetsfit.blogspot.com
Diet, Exercise, and Golf!

As providers the doctors and other providers get caught in the middle,
obvsiously, when the client believes he's covered and the ins. co. will
not pay: 'Bill my INSurance' - so when the payment isn't made, the doctor
is the one getting hurt.

In the 60's and 70's, the Air Force treated their people better, still
do. But promotions were dog slow in comparison. I was E-6 with
slightly less than 4 years in the Navy. That just didn't happen much at
all in the AF then

There will be no national health care. It is pure pandering. Will never
happen. IF there ever was a chance of it, it is gone now with all the
financial turmoil. So wish on if you like, there will be no health
insurance reform coming.

I pay $950 month to cover my family. If it means giving up internet,
cable, eating out, whatever, the health insurance comes first. I feel
sorry for no one that can afford coverage but refuses to buy it, thinking
that they are entitled to be bailed out by somone. Many Americans can
afford coverage. They are just unwilling to give up luxuries first.

Randy, by his own
admission, is a perfect example. Slackers know that if a hospital
bill comes, they can declare bankruptcy and shift the cost to the
responsible.

"Perfect Impact" <gh at (no spam) perfectimpact.com> wrote in message
news:KvuHk.44263$XT1.12029 at (no spam) bignews5.bellsouth.net...

As providers the doctors and other providers get caught in the middle,
obvsiously, when the client believes he's covered and the ins. co. will
not pay: 'Bill my INSurance' - so when the payment isn't made, the doctor
is the one getting hurt.

Why is the Doctor not doing a preauthorization to do the proceedure?
At that point everybody knows if there is coverage.
Thats standard everywhere.

"Perfect Impact" <gh at (no spam) perfectimpact.com> wrote in message
news:KvuHk.44263$XT1.12029 at (no spam) bignews5.bellsouth.net...

As providers the doctors and other providers get caught in the middle,
obvsiously, when the client believes he's covered and the ins. co. will
not pay: 'Bill my INSurance' - so when the payment isn't made, the doctor
is the one getting hurt.

Why is the Doctor not doing a preauthorization to do the proceedure?
At that point everybody knows if there is coverage.
Thats standard everywhere.