Insurance companies are there to help us. Yeah, right.
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From: The Hammer on 19 Oct 2009 13:39 On Oct 19, 1:14 pm, bkni...(a)conramp.net wrote: > On Mon, 19 Oct 2009 09:58:18 -0700 (PDT), Dinosaur_Sr > > > > > > <frostback2...(a)att.net> wrote: > >On Oct 17, 4:36 pm, The Hammer <GaGolfer2...(a)yahoo.com> wrote: > >> On Oct 17, 12:31 pm, bkni...(a)conramp.net wrote: > > >> > Guardian life insurance company of America issued a policy to a > >> > resident of the state of New York with muscular dystrophy. Their > >> > annual payout to keep him alive is more than a million dollars. > >> > The Washington Times reported that since it would be illegal to cancel > >> > this one person's policy, Guardian legally cancelled the whole line > >> > of coverage that insured everybody like him in the state of New York, > >> > which wiped out an entire class of policy holders to avoid paying out > >> > for one person. > > >> > The Washington Times also reported that, "in an email one Guardian > >> > life insurance co. executive called high-cost patients such as Mr. > >> > Pearl, 'Dogs' that the company could 'get rid of.' " > > >> > Guardian's net income for 2008 was $437 million. > > >> > BK > > >> This is unfortunate, but the sad reality is that there are only so > >> much financial resources out there. The goal of a private insurance > >> company is to make a profit, or meet their costs at the very least, > >> while at the same time please as many policyholders as they can. The > >> needs of the few are outweighed by the needs of the many. This is > >> unfortunate, I do not endose this, but that is just the way it is. > >He caught you hook, line and sinker! Firstly, what would cause DMD to > >cost a million bucks in a year? It's absurd. There is no cure for it. > >All you can do is alleviate the symptoms. > > Caught him? All I did was pass on an article from the Washington > Times. As far as the disease, it matters not what the payout is for, > alleviation or cure. They owe it to anyone who has paid their > premiums. It was a riduculous post. You were trying to infer that insurance companies are bad, you failed miserably. I took some time to research this insurance company, did you? Did you not notice all the accolades they have recevied? One article I read, it received one of the highest recognitions in the industry. So while a few customers may not be happy, most are! No company, in any industry, bats 1000. The other thing you fail to realize is that they do not "owe" a payout in the millions. Like any other business, an insurance company has the right to amend contractual terms. Read any policy, it is clear that nothing is guaranteed and the insurer has the unilateral right to make changes with due notice. Not saying this is right or wrong, but that is the way it IS! And like it or not, the insurance company has a fiduciary respnsibilty to its shareholders, creditors, and policyholers. It is a business like any other. In fact, if you did any homework, you would find that the rate of return in the insurance industry is very low compared to other industries. So, sometimes unpopular decisions have to be made. Does not mean we like them, but business is still business. This was a rather lame effort to make one insurance company seem like the bad guy, and what was even lamer was the heading of this ridulous post " Insurance companes are there to help us. Yea, right!" Go to any hospital, clinic, or doctors office and you will find overwhelmingly that people are happy with their coverage and health care providers. It is only a small group that is without. The focus in this health care debate should be helping those that are without, who would not be for that, and leaving those that already have and are happy the heck alone. The system needs a lot of reform, but with the overwhelming majority satisfied, not a fundamental restructuring. Because it spite of all its flaws, the system works pretty damn well. Do you think we will not hear horror stories as you have related if their is a govenment takeover. Get it through your head, the stories will be tenfold! A really poor post and attempt to malign a respected insurance company and the insurance industry. Most here not stupid, look forward to the next effort!
From: William Clark on 19 Oct 2009 14:01 In article <8934936e-f090-4dd9-9841-693d307efe79(a)f10g2000vbl.googlegroups.com>, Dinosaur_Sr <frostback2002(a)att.net> wrote: > On Oct 17, 4:36�pm, The Hammer <GaGolfer2...(a)yahoo.com> wrote: > > On Oct 17, 12:31�pm, bkni...(a)conramp.net wrote: > > > > > > > > > Guardian life insurance company of America �issued a policy to a > > > resident of the state of New York with muscular dystrophy. �Their > > > annual payout to keep him alive is more than a million dollars. > > > The Washington Times reported that since it would be illegal to cancel > > > this one person's policy, �Guardian �legally cancelled the whole line > > > of coverage that insured everybody like him in the state of New York, > > > which wiped out an entire class of policy holders to avoid paying out > > > for one person. � > > > > > The Washington Times also reported that, "in an email one Guardian > > > life insurance co. executive called high-cost patients such as Mr. > > > Pearl, 'Dogs' that the company could 'get rid of.' " > > > > > Guardian's net income for 2008 was $437 million. > > > > > BK > > > > This is unfortunate, but the sad reality is that there are only so > > much financial resources out there. � The goal of a private insurance > > company is to make a profit, �or meet their costs at the very least, > > while at the same time please as many policyholders as they can. �The > > needs of the few are outweighed by the needs of the many. �This is > > unfortunate, I do not endose this, but that is just the way it is. > > > > If the government takes over these payments, do you think they will > > readily assume the annual payment of $1 million + dollars?. �There is > > not enough money there either, you can only tax people so much, tax > > the insurance companies �so much, and cut Medicare and reimbursements > > to physicians. � So, while the insurance company is rationing, the > > government will find a way to ration also. � There is simply not > > enough money to go around, and physicians and hospitals will �not do > > the work for nothing, their overhead is alarming and without revenue > > they cease to exist. � �We are seeing Darwinism in action here, the > > weak will perish, the strong will survive. �That is very unfortunate, > > but society does not have unlimited resources to do custodial care as > > this for millions of patients, they may just have to die. � And while > > that is very sad, it breaks my heart, that is they way it will > > probably be. �Because we have a government that has set its > > priorities. �There is always money it seems to conduct false wars, > > bail out banks and brokerage houses, bail out failed industries, �give > > favors to prized political contributors, fund stupid pork projects, > > and � help foreign nations rebuild their infrastructures, but it seems > > there is never enough to take care of the weak and sick. �A good > > example, � New Orleans is still a mess, will remain a mess, � but > > there is always money to rebuild elsewhere. � �This President promised > > change, he is a bigger liar and panderer than any before when it comes > > to enabling big business and handing out political favors. �It is sad, > > but the people who supported Obama the most and bought into this BS > > line of hope, are the ones at the front of the line to get screwed. > > Bush was a fool, we now have a bigger fool in place. �He could not > > care less about the sick and weak, all he cares about is political > > power. �This has nothing to do with health care, �anyone that buys > > into anything else is just plain stupid. �And these stupid people will > > be the first in line to play the victum card when this all passes and > > they �find themselves taxed to death, and �with less to show for all > > these taxes. > > He caught you hook, line and sinker! Firstly, what would cause DMD to > cost a million bucks in a year? It's absurd. There is no cure for it. > All you can do is alleviate the symptoms. > > Secondly. I heard the same company doled out $4 million to treat a > woman with a rare form of breast cancer when they didn't have to. They > just comped it to her. > > I've also heard of many pharmaceutical companies comping expensive > cancer drugs to people who lack financial resources. But you don't have a cite for ay of these urban legends, do you?
From: The Hammer on 19 Oct 2009 14:03 On Oct 19, 1:14 pm, bkni...(a)conramp.net wrote: > On Mon, 19 Oct 2009 09:58:18 -0700 (PDT), Dinosaur_Sr > > > > > > <frostback2...(a)att.net> wrote: > >On Oct 17, 4:36 pm, The Hammer <GaGolfer2...(a)yahoo.com> wrote: > >> On Oct 17, 12:31 pm, bkni...(a)conramp.net wrote: > > >> > Guardian life insurance company of America issued a policy to a > >> > resident of the state of New York with muscular dystrophy. Their > >> > annual payout to keep him alive is more than a million dollars. > >> > The Washington Times reported that since it would be illegal to cancel > >> > this one person's policy, Guardian legally cancelled the whole line > >> > of coverage that insured everybody like him in the state of New York, > >> > which wiped out an entire class of policy holders to avoid paying out > >> > for one person. > > >> > The Washington Times also reported that, "in an email one Guardian > >> > life insurance co. executive called high-cost patients such as Mr. > >> > Pearl, 'Dogs' that the company could 'get rid of.' " > > >> > Guardian's net income for 2008 was $437 million. > > >> > BK > > >> This is unfortunate, but the sad reality is that there are only so > >> much financial resources out there. The goal of a private insurance > >> company is to make a profit, or meet their costs at the very least, > >> while at the same time please as many policyholders as they can. The > >> needs of the few are outweighed by the needs of the many. This is > >> unfortunate, I do not endose this, but that is just the way it is. > >He caught you hook, line and sinker! Firstly, what would cause DMD to > >cost a million bucks in a year? It's absurd. There is no cure for it. > >All you can do is alleviate the symptoms. > > Caught him? All I did was pass on an article from the Washington > Times. As far as the disease, it matters not what the payout is for, > alleviation or cure. They owe it to anyone who has paid their > premiums. > > >Secondly. I heard the same company doled out $4 million to treat a > >woman with a rare form of breast cancer when they didn't have to. They > >just comped it to her. > > Great. Cite where you heard this. I've been involved with a lot of > insurance payouts, but never one that they didn't have to give. > You are not having a good day Bobby. May be better to a take a hammer to your pc, you are not having a good day. As someone in the industry, not some cloistered outsider as yourself, I see insurance companies all the time giving grants for research, new equipment, and donations for indigent care. And what about all of the golf and other sporting events that insurance companies sponsor, do you not know all the millions that have gone to charity. Many insureres are active in their local communities. Check out Blue Shield of California. Did you not know that they give approx 30 million each year to improving healthcaree, developing healthcare technology, and fighting domestic violence. Do you know how many millions helath insurance companies spend on education programs, so that people maybe won't get sick in the first place. Did you not know all the millions that insurance companies have given to the research of chronic, debillitating disease. And did you not know about all the education programs insurers sponsor for health care professionals, so we will be better educated in doing our daily tasks. Sour grapes, that is all it is for those that have nothing better to do than demonize the insurance industry. Understand, one more time. THE OVERWHELMING MAJORITY OF THE US POPULATION IS SATISFIED WITH THEIR HEALTH CARE! I will say it again, THE OVERWHELMING MAJORITY OF THE US POPULATION IS SATISFIED WITH THEIR HELATH CARE. And just in case you still don't get it, I will say it again........THE OVERWHELMING MAJORITY OF THE US POPULATION IS SATISFIED WITH THEIR HEALTH CARE. Now, if you still don't get it, you never will. Again, no one says the current system is perfect, but it is the best in the world. Second place is a distant second place. When you take out the slackers, there are really very few that have no insurance. So, as a people that are decent and caring, we should devote every effort to seeing that these unfortuante souls do not fall through the cracks and are taken care of. And we should devote additional efforts to reforming certaining deficiencies in the insurance business, like pre-existing conditions nad the inability of insurance companies to compete across state lines. Get it through your head please. This entire dialogue in Washington is not about helping sick people. It is about taking over a key industry in the US. If anyone has a heart and really cares about poor and sick people, they will see that they will get nothing but the shaft with Obamacare. Anyone who supports Obamacare or the other lunatic proposals that we are hearing about, is an accessory to suffering and sickness tenfold what we are seeing now. The most vulnerable elements of our society will be at more risk than ever.
From: Dinosaur_Sr on 19 Oct 2009 14:11 On Oct 19, 1:01 pm, William Clark <cl...(a)nospam.matsceng.ohio- state.edu> wrote: > In article > <8934936e-f090-4dd9-9841-693d307ef...(a)f10g2000vbl.googlegroups.com>, > > > > Dinosaur_Sr <frostback2...(a)att.net> wrote: > > On Oct 17, 4:36 pm, The Hammer <GaGolfer2...(a)yahoo.com> wrote: > > > On Oct 17, 12:31 pm, bkni...(a)conramp.net wrote: > > > > > Guardian life insurance company of America issued a policy to a > > > > resident of the state of New York with muscular dystrophy. Their > > > > annual payout to keep him alive is more than a million dollars. > > > > The Washington Times reported that since it would be illegal to cancel > > > > this one person's policy, Guardian legally cancelled the whole line > > > > of coverage that insured everybody like him in the state of New York, > > > > which wiped out an entire class of policy holders to avoid paying out > > > > for one person. > > > > > The Washington Times also reported that, "in an email one Guardian > > > > life insurance co. executive called high-cost patients such as Mr. > > > > Pearl, 'Dogs' that the company could 'get rid of.' " > > > > > Guardian's net income for 2008 was $437 million. > > > > > BK > > > > This is unfortunate, but the sad reality is that there are only so > > > much financial resources out there. The goal of a private insurance > > > company is to make a profit, or meet their costs at the very least, > > > while at the same time please as many policyholders as they can. The > > > needs of the few are outweighed by the needs of the many. This is > > > unfortunate, I do not endose this, but that is just the way it is. > > > > If the government takes over these payments, do you think they will > > > readily assume the annual payment of $1 million + dollars?. There is > > > not enough money there either, you can only tax people so much, tax > > > the insurance companies so much, and cut Medicare and reimbursements > > > to physicians. So, while the insurance company is rationing, the > > > government will find a way to ration also. There is simply not > > > enough money to go around, and physicians and hospitals will not do > > > the work for nothing, their overhead is alarming and without revenue > > > they cease to exist. We are seeing Darwinism in action here, the > > > weak will perish, the strong will survive. That is very unfortunate, > > > but society does not have unlimited resources to do custodial care as > > > this for millions of patients, they may just have to die. And while > > > that is very sad, it breaks my heart, that is they way it will > > > probably be. Because we have a government that has set its > > > priorities. There is always money it seems to conduct false wars, > > > bail out banks and brokerage houses, bail out failed industries, give > > > favors to prized political contributors, fund stupid pork projects, > > > and help foreign nations rebuild their infrastructures, but it seems > > > there is never enough to take care of the weak and sick. A good > > > example, New Orleans is still a mess, will remain a mess, but > > > there is always money to rebuild elsewhere. This President promised > > > change, he is a bigger liar and panderer than any before when it comes > > > to enabling big business and handing out political favors. It is sad, > > > but the people who supported Obama the most and bought into this BS > > > line of hope, are the ones at the front of the line to get screwed. > > > Bush was a fool, we now have a bigger fool in place. He could not > > > care less about the sick and weak, all he cares about is political > > > power. This has nothing to do with health care, anyone that buys > > > into anything else is just plain stupid. And these stupid people will > > > be the first in line to play the victum card when this all passes and > > > they find themselves taxed to death, and with less to show for all > > > these taxes. > > > He caught you hook, line and sinker! Firstly, what would cause DMD to > > cost a million bucks in a year? It's absurd. There is no cure for it. > > All you can do is alleviate the symptoms. > > > Secondly. I heard the same company doled out $4 million to treat a > > woman with a rare form of breast cancer when they didn't have to. They > > just comped it to her. > > > I've also heard of many pharmaceutical companies comping expensive > > cancer drugs to people who lack financial resources. > > But you don't have a cite for any of these urban legends, do you? Oh, I'm sorry...The Washington Times reported that with respect to "death panels", in the government plan an "office will be reserved for people willing to recruit into the government-subsidized health care system insurance companies that are willing to take money to take human lives."
From: The Hammer on 19 Oct 2009 14:13
On Oct 19, 2:01 pm, William Clark <cl...(a)nospam.matsceng.ohio- state.edu> wrote: > In article > <8934936e-f090-4dd9-9841-693d307ef...(a)f10g2000vbl.googlegroups.com>, > > > > > > Dinosaur_Sr <frostback2...(a)att.net> wrote: > > On Oct 17, 4:36 pm, The Hammer <GaGolfer2...(a)yahoo.com> wrote: > > > On Oct 17, 12:31 pm, bkni...(a)conramp.net wrote: > > > > > Guardian life insurance company of America issued a policy to a > > > > resident of the state of New York with muscular dystrophy. Their > > > > annual payout to keep him alive is more than a million dollars. > > > > The Washington Times reported that since it would be illegal to cancel > > > > this one person's policy, Guardian legally cancelled the whole line > > > > of coverage that insured everybody like him in the state of New York, > > > > which wiped out an entire class of policy holders to avoid paying out > > > > for one person. > > > > > The Washington Times also reported that, "in an email one Guardian > > > > life insurance co. executive called high-cost patients such as Mr. > > > > Pearl, 'Dogs' that the company could 'get rid of.' " > > > > > Guardian's net income for 2008 was $437 million. > > > > > BK > > > > This is unfortunate, but the sad reality is that there are only so > > > much financial resources out there. The goal of a private insurance > > > company is to make a profit, or meet their costs at the very least, > > > while at the same time please as many policyholders as they can. The > > > needs of the few are outweighed by the needs of the many. This is > > > unfortunate, I do not endose this, but that is just the way it is. > > > > If the government takes over these payments, do you think they will > > > readily assume the annual payment of $1 million + dollars?. There is > > > not enough money there either, you can only tax people so much, tax > > > the insurance companies so much, and cut Medicare and reimbursements > > > to physicians. So, while the insurance company is rationing, the > > > government will find a way to ration also. There is simply not > > > enough money to go around, and physicians and hospitals will not do > > > the work for nothing, their overhead is alarming and without revenue > > > they cease to exist. We are seeing Darwinism in action here, the > > > weak will perish, the strong will survive. That is very unfortunate, > > > but society does not have unlimited resources to do custodial care as > > > this for millions of patients, they may just have to die. And while > > > that is very sad, it breaks my heart, that is they way it will > > > probably be. Because we have a government that has set its > > > priorities. There is always money it seems to conduct false wars, > > > bail out banks and brokerage houses, bail out failed industries, give > > > favors to prized political contributors, fund stupid pork projects, > > > and help foreign nations rebuild their infrastructures, but it seems > > > there is never enough to take care of the weak and sick. A good > > > example, New Orleans is still a mess, will remain a mess, but > > > there is always money to rebuild elsewhere. This President promised > > > change, he is a bigger liar and panderer than any before when it comes > > > to enabling big business and handing out political favors. It is sad, > > > but the people who supported Obama the most and bought into this BS > > > line of hope, are the ones at the front of the line to get screwed. > > > Bush was a fool, we now have a bigger fool in place. He could not > > > care less about the sick and weak, all he cares about is political > > > power. This has nothing to do with health care, anyone that buys > > > into anything else is just plain stupid. And these stupid people will > > > be the first in line to play the victum card when this all passes and > > > they find themselves taxed to death, and with less to show for all > > > these taxes. > > > He caught you hook, line and sinker! Firstly, what would cause DMD to > > cost a million bucks in a year? It's absurd. There is no cure for it. > > All you can do is alleviate the symptoms. > > > Secondly. I heard the same company doled out $4 million to treat a > > woman with a rare form of breast cancer when they didn't have to. They > > just comped it to her. > > > I've also heard of many pharmaceutical companies comping expensive > > cancer drugs to people who lack financial resources. > > But you don't have a cite for ay of these urban legends, do you?- Hide quoted text - > > - Show quoted text - You are the ultimate outsider looking trying to look in. You don' t have a clue. Pharmaceuticals have many many programs in place to help the indigent. Ask any case manager or social worker in any decent hospital, it is amazing how quickly many of the pharmaceuticals will give discounts or rmeds. Here is a link below that will show you some of the charity care that pharmaceuticals do . Call some of the pharmaceuticals yourself, check out their annual reports, speak to any doctor or nurse, you will see how much they do. They are not the great villian you would like us to believe. www.gistprobono.org/id98.html Get a clue man, before you say something so stupid again! |