Go ahead and explain the difference between running a plan and administrating a plan. You appear to be confused as to exactly what function insurance companies provide to large corporations.
The problem of the uninsured is indisputable proof that people are not Sucessful in determining what health insurance they actually need. And the need for insurance has nothing to do with capability of individuals determining their current health status. Insurance is against future needs not present needs. And you have failed to respond to my actual issue which is what you suggest should happen if people need more healthcare than they have purchased insurance to provide. Do they then get the support from the government or do they go without?
Just pointing out you were pontificating a great deal on a subject that you seem to have only the more cursory knowledge of. I'm sure your feelings about Obamacare are strong, but this thread wasn't about that.
You are partly correct. But allowing individuals/families and small group plans to purchase coverage they need(minus obstetrics and newborn care were not needed, reduces their premium cost. Those that need and want to pay for obstetric care and newborn care will be charged a higher premium as they should be. But those not needing this coverage shouldn't have to subsidize these individuals premiums. While already subsidizing a vast majorities premiums and still paying higher premiums due to those not mandated to buy insurance and still seeking ER care. You people not in the health care field are so misinformed.
Do you believe that PPACA will decrease the number of bankruptcies due to inability to pay for medical care? If you do, you couldn't be more wrong. Because simply having an insurance policy doesn't mean you won't be required to pay out of pocket for your health care before your policy kicks in. You must first meet your high deductible, out of pocket and co-payments. Only then will your insurance kick in and help you pay for medical care. So many of our patients are finding this out. Finding out their insurance is failing to help them monetarily. Finding they are paying monthly premiums and unless they incur huge medical fees their insurance fails to help. But my 35 plus years of experience shows me that medical debt is not a huge reason for bankruptcy as most physicians and hospitals are willing to work out affordable payment plans based on the patients income. Instead, patients often file bankruptcy because they aren't will to work out a payment plan. And, the majority of studies show that medical debt is only one debt claimed in the bankruptcy with the largest debt being credit cards.
Actually believe your standardized Obama bashing made it exactly about that! And I note you are unable to answer the question that arose out of your own intellectual confusion. But nice attempt a dodging.
You clearly don't understand the concept of insurance. Insurance is about future needs not present needs.
Bankruptcy has been discussed in detail before. Your assumption that people don't use their credit cards to pay medical bills is patently absurd as you 35 years of experience should clearly tell you.
1. It's only a slam to Obama if you think him having your knowledge of health insurance is an insult. 2. Your question was idiotic. What you asked was, "Go ahead and explain the difference between running a plan and administrating a plan." This was in response to your ignorant post that large companies don't run their own plans. In fact, they do. When a large corporation buys an insurance plan from a health insurance company, they basically tailor the group to what the company wishes to buy. The difference between running and administering? You're setting the goals , standards and criteria. When you're administering it you are carrying out the goalds, standards, and criteria. You're just butthurt that I picked out a couple of statements that you made in this thread that were totally incorrect. That's what clued me in that you don't know what you were talking about. Sometimes...when I'm not answering a question, I'm doing you a favor. You should have thanked me instead of giving me the further opportunity to show how little you know on this topic.
What is actually funny is that in my old corporate days I was on the committee that picked the plants healthcare provider. All we did was look at what was available from insurance companies and then picked the plan that had what we thought was the best fit for what we needed at the best price. We did not design the plans, we picked from what was available from the major suppliers. They insured our employees as well as those from many other companies which spread their risk. Now maybe in your corporate world you did it differently but I doubt it.
You mean picking from plans designed and managed by large insurance companies. Thought that was what you said didn't happen. Believe it was you who said, incorrectly I might add, that large corporations usually managed and designed their own health insurance plans.
