Congrats - You Get to Keep Your Bad Apple Policies

[WTF]

Originally Posted by CuteOldGuy

Furthermore, the insurance company faces a loss of treble damages if they fail to pay a claim in bad faith.

Who enforces those laws you dumbshit? Hint....the God Damn GOVERNMENT.

You talk out of both sides of your ass....you and JD.

[RedLeg505]

Originally Posted by WTF

Who enforces those laws you dumbshit? Hint....the God Damn GOVERNMENT.

So apparently you LIKE when the government gets to PICK AND CHOOSE which laws it wants to enforce and those it doesn't? So violating the "rule of law" is a GOOD thing in your eyes. Nice to know that about you.

[BJerk]

Originally Posted by CuteOldGuy

Serious question. What makes an insurance policy a "bad apple" policy? What do they fail to cover?

It is a hard question for a complicated business. I can only answer in generalities. A "bad apple" policy is one designed to game the system and fool the marks into thinking they have comprehensive coverage from a reputable, financially stable business. I once inquired into a 10 dollar a month "dental policy". (I was obviously skeptical) It was nothing more than a list of dentists that agreed to take in patients in your area for a negotiated rate, supposedly a discount. It implied you could get your teeth cleaned, x-rayed, and get a free toothbrush for next to nothing. They wanted you to think it was a good policy when it was just a basic list - and they carefully worded things to make you think it was real insurance without actually saying that it was.
Given free reign, I can imagine any number of tricks a health insurance company would pull to deny, delay, and obfuscate.

[Yssup Rider]

It's pretty simple. There's you and your doctor. And the insurance company gets 25% for getting in the middle.

Why?

[CuteOldGuy]

Originally Posted by Bert Jones

It is a hard question for a complicated business. I can only answer in generalities. A "bad apple" policy is one designed to game the system and fool the marks into thinking they have comprehensive coverage from a reputable, financially stable business. I once inquired into a 10 dollar a month "dental policy". (I was obviously skeptical) It was nothing more than a list of dentists that agreed to take in patients in your area for a negotiated rate, supposedly a discount. It implied you could get your teeth cleaned, x-rayed, and get a free toothbrush for next to nothing. They wanted you to think it was a good policy when it was just a basic list - and they carefully worded things to make you think it was real insurance without actually saying that it was.
Given free reign, I can imagine any number of tricks a health insurance company would pull to deny, delay, and obfuscate.

I think the current fraud and consumer protection laws would take care of that. Certainly we don't need a government takeover of an entire industry to protect people from a phony $10 dental policy.

I just keep hearing about all the sub-standard policies being cancelled. I want to know in what areas they are deficient. The fact that you don't know proves that you, and others, are simply spouting the government talking points, and don't really know what you're talking about.

[CJ7]

Originally Posted by CuteOldGuy

I think the current fraud and consumer protection laws would take care of that. Certainly we don't need a government takeover of an entire industry to protect people from a phony $10 dental policy.

I just keep hearing about all the sub-standard policies being cancelled. I want to know in what areas they are deficient. The fact that you don't know proves that you, and others, are simply spouting the government talking points, and don't really know what you're talking about.

do your homework and quit begging ... look up the requirements of ACA, compare those to the coverage of policies that are being canceled because their requirements fall short of the ACA requirements ...

Im pretty sure you'll find your sophomoric question is a little more difficult to answer than you think.

[LexusLover]

Originally Posted by WTF

Who enforces those laws you dumbshit? Hint....the God Damn GOVERNMENT.

You talk out of both sides of your ass....you and JD.

A STATE judge/jury .... I suppose if you want TO CALL THAT "THE GOVERNMENT" ..


.. so be it.

Under ObaminableCare there an extremely limited judicial review, which was one of the things I early on posted was disagreeable to me ... because "The Secretary" could "make law" by passing out regs, but the validity and application of those regs were relatively safe from a judge's eyes .. judicial review .. in the absence of a U.S. constitutional claim..

[LexusLover]

Originally Posted by Yssup Rider

It's pretty simple. There's you and your doctor. And the insurance company gets 25% for getting in the middle.

25% of what?

[BJerk]

Originally Posted by CuteOldGuy

I think the current fraud and consumer protection laws would take care of that. Certainly we don't need a government takeover of an entire industry to protect people from a phony $10 dental policy.

I just keep hearing about all the sub-standard policies being cancelled. I want to know in what areas they are deficient. The fact that you don't know proves that you, and others, are simply spouting the government talking points, and don't really know what you're talking about.

It was a legal offering, carefully worded to not be a policy at the same time it appeared to be one. Legitimate competing businesses get cheated just as badly by crooks pretending to be honest and reputable. Look at the explanation of benefits for every procedure you have, and the ways insurance companies can get to you. The only reason they won't nickel and dime you to death in the future is the government will require uniform coverage and payment standards.

[WTF]

Originally Posted by LexusLover

A STATE judge/jury .... I suppose if you want TO CALL THAT "THE GOVERNMENT" ..


.. so be it.

..

Let us see. The judge is paid by the government. The building is a government building. Jail. Is that private LL.

Yet COG thinks that is private enterprise. And he bitch's about today's education, yesteryears in his neck of the woods musta been pretty shitty.

Are you one of those "Get the government outta my Medicare!" kind? You scream about the government and then the solution to say the insurance company screwing you over is the God Damn government! It is like there is this group of retards posting around here not capable of rational thought.

[WTF]

Originally Posted by RedLeg505

So apparently you LIKE when the government gets to PICK AND CHOOSE which laws it wants to enforce and those it doesn't? So violating the "rule of law" is a GOOD thing in your eyes. Nice to know that about you.

You dumb muther fucker. The government is fought over by the 'people' and 'big business'. Basically worker vs management. It is a referee between those two competing interests. The God Damn "Rule of Law' is really just who is ruling the government at the time. You dumbass Tea Pukes not only still believe in Santa but you are just not versed in reality. Kinda like GOG. Bitching about government in one breath and saying government is the answer in the next and to fucking dumb to even realize wtf he just said!

Originally Posted by CuteOldGuy

Furthermore, the insurance company faces a loss of treble damages if they fail to pay a claim in bad faith.

[CuteOldGuy]

Originally Posted by CJ7

do your homework and quit begging ... look up the requirements of ACA, compare those to the coverage of policies that are being canceled because their requirements fall short of the ACA requirements ...

Im pretty sure you'll find your sophomoric question is a little more difficult to answer than you think.

So you don't know, do you, CBJ7? I was right. You have NO IDEA what you're talking about.

[CuteOldGuy]

Originally Posted by Bert Jones

It was a legal offering, carefully worded to not be a policy at the same time it appeared to be one. Legitimate competing businesses get cheated just as badly by crooks pretending to be honest and reputable. Look at the explanation of benefits for every procedure you have, and the ways insurance companies can get to you. The only reason they won't nickel and dime you to death in the future is the government will require uniform coverage and payment standards.

You don't know either, do you? Please refrain from lecturing me unless you know what you're talking about.

[Yssup Rider]

Originally Posted by CuteOldGuy

So you don't know, do you, CBJ7? I was right. You have NO IDEA what you're talking about.

In other words, whiny, "You've got nothin'?"

LMAO!

[CuteOldGuy]

Originally Posted by WTF

You dumb muther fucker. The government is fought over by the 'people' and 'big business'. Basically worker vs management. It is a referee between those two competing interests. The God Damn "Rule of Law' is really just who is ruling the government at the time. You dumbass Tea Pukes not only still believe in Santa but you are just not versed in reality. Kinda like GOG. Bitching about government in one breath and saying government is the answer in the next and to fucking dumb to even realize wtf he just said!

And you're just a colossal moron who sounds stupider every day.